As part of the border between Indiana and Kentucky, the southwest-flowing Ohio River separates New Albany, Indiana (to the north), and Louisville, Kentucky (to the south). Two concentric beltways loop around the south side of Louisville—Interstate Highway 264, the inner belt, and Interstate Highway 265, the outer belt. Louisville developed as a major urban area as a result of Ohio River waterfalls. Goods shipped via the river had to be unloaded before reaching the falls and carried around the falls, thereby creating a need for workers and services. Today ships use locks to navigate the barrier. The dark features throughout the photograph are areas of hilly, eroded, wooded terrain.