B. 12
There are 12 Federal Reserve Banks. Each bank is also in charge of its assigned District Banks.
The responsibility for failures was deflected away from the automated parts of the system (and the humans, such as engineers, whose control is mediated through this automation) and placed on the immediate human operators, who possessed only limited knowledge and control.
The answer is c that what a lot of people use☻
UDP = connectionless vs. TCP is connection oriented.