I think it is the last one the bank reserves part of the money and uses the rest to make loans to others consumers who need them. but I am not sure
<span> that it is better than Birkenau </span>
A lack of railroads affected a lot of things. For example like getting supplies or not having job opportunities due to not having a railroad. Also without have a railroad it made traveling harder.
Social class division an more complex religious beliefs.
