What would be most likely to happen if the reserve rate were lowered? O A. Banks would make more loans.
B. Creditors would refuse to pay back loans.
O C. Depositors would make a run on a bank.
D. Banks would stop opening savings accounts.

Explanation:

They don't make enough money to make loans to just anyone. Their profit margin is not large enough, and if they make careless loans which default they will loose money that will be harder to replace. Not A.

Banks don't make loans to people who are going to default. Same reason as A. The answer is not B.

Why would depositors do that? If the interest rate goes down the cost of the bond securing the loan will go up. The banks are making more money either way and so in theory are the depositors.

That only leaves D.

freedom of speech is also protected by the 1 amendment.

explanation:

here is pretty much what the 1st amendment says:

congress shall make no law respecting an establishment of religion, or prohibiting the free exercise thereof; or abridging the freedom of speech, or of the press; or the right of the people peaceably to assemble, and to petition the government for a redress of grievances.

darwinism is survival of the fittest there for social darwinism is the survival of the wealthiest