The first african american to earn a doctorate from harvard university, who spent his lifetime studying race relations in america and was one of the founders of the naacp, was

the answer should be arrogance & pride.

i do not know if this question has options, but a main impact of the federal reserve act of 1913, which created the federal reserve bank, was the international use of the u.s. dollar, which soon became the world's leading currency - particularly during world war i, since many nations around the world asked the united states for money.