<span>The Federal Reserve offers banking services to </span>EVERYONE
Franklin Delano Roosevelt. He married his cousin, was the United States President who pulled the United States out of the great depression and also, was the President, "Commander and Chief", during World War II. He also had polio which lead to him being in a wheel chair during most of his presidency. He is also the ONLY President to serve more than four terms in office. Also he gave his famous, "Infamy" speech which called on congress to declare war on the AXIS powers, two days after the attack on Pearl Harbor, December 7th, 1941.
Democracy is efficient in the sense that it allows people to have free will and vote for what they believe is right, Democracy also allows the people to have control, which you will not find dictators.
The second one is the best