he Freedmen's Bureau, formally known as the Bureau of Refugees, Freedmen and Abandoned Lands, was established in 1865 by Congress to help millions of former black slaves and poor whites in the South in the aftermath of the Civil War.
It was called black face very popular in the segregation era
Taft was in favor of lower tariffs while TR wanted higher tariffs. Roosevelt was in favor of a national income tax, but Taft did not like the idea. It was the rift between Roosevelt and Taft that led to a schism in the Republican Party. This led to the victory of the Democrat Wilson in the 1912 Presidential election.
The cholera epidemic. The others were factors, but not as serious.