What economic event led to the creation of the Federal Reserve?

 A particularly severe panic in 1907 resulted in bank runs that wreaked havoc on the fragile banking system.

the answer is b for brother

i do believe its (d) it allowed the government to offer pioneers sixty acres of western land if they lived on it and made improvements to it.

explanation: signed into law in may 1862, the homestead act opened up settlement in the western united states, allowing any american, including freed slaves, to put in a claim for up to 160 free acres of federal land. by the end of the civil war, 15,000 homestead claims had been established, and more followed in the postwar years