"The tilt of earth axis" is what made the climate of northern Africa change from tropical to grasslands and then to desert.
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Banks failed in the 1930's because when the stock market crashed in 1929, they had lost thousands of dollars. You see, the banks had invested their customer's money in the stock market and lost it all when it crashed. Then, people came looking for their money to pay off their own debt, but the banks couldn't because they themselves did not have any money. So banks often suffered because they were in debt.
