Read the paragraph and answer the question that follows. Choose the letter of the correct answer.
What happened to America’s banks illustrates the widespread consequences of bank failure. Banks tied to the stock market or foreign investments were badly weakened by the decline in stock prices. When nervous people withdrew money from banks, panic set in. In 1929, 659 banks folded; in 1930, the total was 1,350. The Federal Reserve Board drastically raised interest rates, tightening the money markets just when loosening was needed. In 1931 and 1932, more than 3,600 banks shut their doors.
Which word in the topic sentence indicates a cause/effect pattern?
a. happened
b. illustrates
c. consequences
d. failure
c. consequences
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