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Why did congress decide to establish federal reserve system

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• Why did the United States have no central bank between 1836 and 1913? Why did Congress decide to establish the Federal Reserve System in 1913?

• Why was the Federal Reserve System split into 12 districts?

The response should include a reference list. Double-space, using Times New Roman 12 pnt font, one-inch margins, and APA style of writing and citations.

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