26
www.georgiatestpractice.com (All standards are the property of the Georgia Department of Education and can be accessed publicly at www.georgiastandards.org) 5 th Grade Social Studies CRCT Multiple Choice Questions Highlight, use ctrl-c to copy and ctrl-v to paste into your own word documents. Use ctrl-f to search for terms or standards SS5H1 The student will explain the causes, major events, and consequences of the Civil War. a. Identify Uncle Tom’s Cabin and John Brown’s raid on Harper’s Ferry, and explain how each of these events was related to the Civil War. Which publication is directly related to one of the causes of the Civil War? A Jim Crow Laws B Uncle Tom’s Cabin C The 16 th Amendment D The Declaration of Independence (correct answer B) SS5H1 The student will explain the causes, major events, and consequences of the Civil War. b. Discuss how the issues of states’ rights and slavery increased tensions between the North and South.

gatestpractice.weebly.comgatestpractice.weebly.com/uploads/6/8/3/8/6838442/5th... · Web viewDiscuss the Stock Market Crash of 1929, Herbert Hoover, Franklin Roosevelt, the Dust Bowl,

  • Upload
    votuong

  • View
    216

  • Download
    0

Embed Size (px)

Citation preview

www.georgiatestpractice.com(All standards are the property of the Georgia Department of Education and can be accessed publicly at www.georgiastandards.org)

5 th Grade Social Studies CRCT Multiple Choice QuestionsHighlight, use ctrl-c to copy and ctrl-v to paste into your own word documents.Use ctrl-f to search for terms or standards

SS5H1 The student will explain the causes, major events, and consequences of the Civil War.

a. Identify Uncle Tom’s Cabin and John Brown’s raid on Harper’s Ferry, and explain how each of these events was related to the Civil War.

Which publication is directly related to one of the causes of the Civil War?A Jim Crow LawsB Uncle Tom’s CabinC The 16th AmendmentD The Declaration of Independence(correct answer B)

SS5H1 The student will explain the causes, major events, and consequences of the Civil War.

b. Discuss how the issues of states’ rights and slavery increased tensions between the North and South.

During the early 1800’s, the issues of states’ rights and slavery had what effect on the North and South?

A they brought the states closer togetherB they increased tension between the North and SouthC the issues made the North and South both vote for Abraham LincolnD the north was in favor of slavery, the south was in favor of states’ rights(correct answer B)

Why was slavery a source of tension between the Northern and Southern states?A Most of the slaves in the south were escaping to the NorthB Northern states opposed slavery but the Southern economy relied on itC Southern states would only trade with northern states that supported slaveryD Northern states were stealing slaves from Southern states and using them for factory work(correct answer B)

SS5H1 The student will explain the causes, major events, and consequences of the Civil War.

c. Identify major battles and campaigns: Fort Sumter, Gettysburg, the Atlanta Campaign, Sherman’s March to the Sea, and Appomattox Court House.

Which was an effect of Sherman’s March to the Sea during the Civil War?A the Southern resources were severely weakenedB Sherman became very popular in the SouthC the North was forced to retreat from AtlantaD Southern slaves were freed along the way(correct answer A)

SS5H1 The student will explain the causes, major events, and consequences of the Civil War.

d. Describe the roles of Abraham Lincoln, Robert E. Lee, Ulysses S. Grant, Jefferson Davis, and Thomas “Stonewall” Jackson.

Which man does NOT belong in this list because he did NOT support the Union (north) during the Civil war?

A Abraham LincolnB Ulysses S. GrantC William T. ShermanD Jefferson Davis(correct answer D)

Jefferson Davis was to the Southern (Confederate) states as ______ ______ was to the Northern (Union) states. Which name should go in the blanks?

A Thomas JacksonB Robert LeeC Abraham LincolnD William Sherman(correct answer C)

SS5H1 The student will explain the causes, major events, and consequences of the Civil War.

e. Describe the effects of war on the North and South.

Which effect of the Civil War hurt the South more than the North?

A the killing of soldiersB the destruction of farmlandC the loss of manufacturing centersD the poor relationship with France(correct answer B)

SS5H2 The student will analyze the effects of Reconstruction on American life. a. Describe the purpose of the 13th, 14th, and 15th Amendments.

What was the purpose of the 13th amendment?A to ban slaveryB to allow blacks to voteC to give due processD to give slaves work(correct answer A)

SS5H2 The student will analyze the effects of Reconstruction on American life. b. Explain the work of the Freedmen’s Bureau.

Use the following list to answer question #___: Provided sources of food Helped former slaves find education Provided emergency medical care for former

slavesThe list above describes the functions of which group?A the SharecroppersB the Freedmen’s BureauC the Jim Crow GroupD the Confederate States(correct answer B)

SS5H2 The student will analyze the effects of Reconstruction on American life. c. Explain how slavery was replaced by sharecropping and how African-Americans were

prevented from exercising their newly won rights; include a discussion of Jim Crow laws and customs.

Jim Crow laws were designed for which purpose?A to make it easier for African-Americans to get jobs and vote in electionsB to outlaw sharecropping and make sure all former slaves were not paid for workC to prevent African-Americans from exercising their rights after the Civil WarD to make Jim Crow the leading candidate for President of the United States (correct answer C)

SS5H3 The student will describe how life changed in America at the turn of the century. a. Describe the role of the cattle trails in the late 19th century; include the Black Cowboys of

Texas, the Great Western Cattle Trail, and the Chisholm Trail.

Cattle trails played which role in the United States in the 19th century?A a job for southern slavesB a method for interstate tradeC moved Native Americans westD replaced railroads for delivering goods(correct answer B)

SS5H3 The student will describe how life changed in America at the turn of the century. b. Describe the impact on American life of the Wright brothers (flight), George Washington

Carver (science), Alexander Graham Bell (communication), and Thomas Edison (electricity).

Which mode of transportation was most influenced by the Wright Brothers?A boatB railroadC airplaneD interstate (correct answer C)

SS5H3 The student will describe how life changed in America at the turn of the century. c. Explain how William McKinley and Theodore Roosevelt expanded America’s role in the

world; include the Spanish-American War and the building of the Panama Canal.

Theodore Roosevelt is associated with which major world event?A building of the Panama CanalB ending the Civil WarC signing the Treaty of VersaillesD starting the Berlin airlift(correct answer A)

SS5H3 The student will describe how life changed in America at the turn of the century. d. Describe the reasons people emigrated to the United States, from where they emigrated, and

where they settled.

A person emigrating to the United States in the early 1900’s was MOST LIKELY to settle in which part of the country?

A Mid-WestB East CoastC West CoastD Mexican Border(correct answer B)

SS5H3 The student will describe how life changed in America at the turn of the century. e. Describe the impact of westward expansion on Native Americans; include the Battle of the

Little Bighorn and the relocation of Native Americans to reservations.

Use the following chart to answer question #____:

Which statement would complete the chart above?A caused the Civil WarB decreased the need for slave laborC caused conflict with Native AmericansD decreased the desire to explore new land(correct answer C)

SS5H4 The student will describe U.S. involvement in World War I and post-World War I America.

a. Explain how German attacks on U.S. shipping during the war in Europe (1914-1917) ultimately led the U.S. to join the fight against Germany; include the sinking of the Lusitania and concerns over safety of U.S. ships, U.S. contributions to the war, and the impact of the Treaty of Versailles in 1919.

Which event was critical in persuading the United States to become involved in World War I?

A the sinking of the LusitaniaB the bombing of Pearl HarborC the secession of South CarolinaD the destruction of the World Trade Center(correct answer A)

SS5H4 The student will describe U.S. involvement in World War I and post-World War I America.

b. Describe the cultural developments and individual contributions in the 1920s of the Jazz Age (Louis Armstrong), the Harlem Renaissance (Langston Hughes), baseball (Babe Ruth), the automobile (Henry Ford), and the airplane (Charles Lindbergh).

Which person is most associated with the Harlem Renaissance?

A Babe RuthB Henry FordC Langston HughesD Martin Luther King, Jr(correct answer C)

Louis Armstrong had the largest impact on which cultural development?A civil rightsB jazz musicC space explorationD internet revolution(correct answer B)

SS5H5 The student will explain how the Great Depression and New Deal affected the lives of millions of Americans.

a. Discuss the Stock Market Crash of 1929, Herbert Hoover, Franklin Roosevelt, the Dust Bowl, and soup kitchens.

Use the following list to answer question #___: Became President after Herbert Hoover Pushed for many new programs called “The New Deal” President during World War II

The list above refers to which person?A Duke EllingtonB Abraham LincolnC Theodore RooseveltD Franklin Roosevelt(correct answer D)

SS5H5 The student will explain how the Great Depression and New Deal affected the lives of millions of Americans.

b. Analyze the main features of the New Deal; include the significance of the Civilian Conservation Corps, the Works Progress Administration, and the Tennessee Valley Authority.

What is one way the New Deal was supposed to help the economy out of the Great Depression?

A by eliminating trading on the stock marketB by encouraging war with Germany and JapanC by creating jobs through various new programsD by giving people money through new bank laws(correct answer C)

Why was the Tennessee Valley Authority significant to the Southeast during the Great Depression?

A it brought the stock market to the Southeast

B it gave people jobs doing public work projectsC it replaced the old and outdated soup kitchensD it made people want to move out of the Southeast(correct answer B)

SS5H5 The student will explain how the Great Depression and New Deal affected the lives of millions of Americans.

c. Discuss important cultural elements of the 1930s; include Duke Ellington, Margaret Mitchell, and Jesse Owens.

In what way did Jesse Owens help to raise morale in the United States during the Great Depression?

A he sang songs and played happy music on the radioB he went from town to town racing people for moneyC he helped Roosevelt make key decisions about the economyD he won multiple gold medals for the U.S. at the 1936 Olympics(correct answer D)

SS5H6 The student will explain the reasons for America’s involvement in World War II. a. Describe Germany’s aggression in Europe and Japan’s aggression in Asia.

Before the United States got involved in World War II, Germany was already fighting which two countries in Europe?

A Italy and RussiaB Japan and ChinaC England and FranceD Austria and the Netherlands(correct answer C)

SS5H6 The student will explain the reasons for America’s involvement in World War II. b. Describe major events in the war in both Europe and the Pacific; include Pearl Harbor, Iwo

Jima, D-Day, VE and VJ Days, and the Holocaust.

Use the following quote for question #___:Our military thought that they couldn't get to Pearl Harbor, that it was too long a journey from Japan to get there, and they proved us wrong. -Jerry Bruckheimer

The quote below supports which fact about the attack on Pearl Harbor?A it was a surprise attackB Japan paid Germany to do itC our military was prepared for Pearl HarborD our military could not respond to Pearl Harbor(correct answer A)

Most of the major battles of World War II occurred in which two locations?A Asia and AfricaB Germany and Russia

C Europe and the Pacific OceanD the United States and the Atlantic Ocean(correct answer C)

SS5H6 The student will explain the reasons for America’s involvement in World War II. c. Discuss President Truman’s decision to drop the atomic bombs on Hiroshima and Nagasaki.

Which decision by President Truman had a major impact on the end of World War II?A attacking Pearl HarborB dropping the atomic bombC beginning the HolocaustD finishing the Cuban Missile Crisis(correct answer B)

SS5H6 The student will explain the reasons for America’s involvement in World War II. d. Identify Roosevelt, Stalin, Churchill, Hirohito, Truman, Mussolini, and Hitler.

During World War II, Roosevelt was to the United States as ______ was to Great Britain. Which name should go in the blank?

A HitlerB HirohitoC MussoliniD Churchill(correct answer D)

SS5H6 The student will explain the reasons for America’s involvement in World War II. e. Describe the effects of rationing and the changing role of women and African- Americans;

include “Rosie the Riveter” and the Tuskegee Airmen.

In what way were women affected by World War II?A they took jobs that traditionally belonged to menB they were forced to become soldiers in the militaryC they were hidden and locked away for protectionD they were finally given the right to vote in elections(correct answer A)

SS5H6 The student will explain the reasons for America’s involvement in World War II. f. Explain the U.S. role in the formation of the United Nations.

The United States, along with 50 other countries, created what group immediately after World War II?

A the United NationsB the League of NationsC the North Atlantic Treaty OrganizationD the North American Free Trade Agreement(correct answer A)

SS5H7 The student will discuss the origins and consequences of the Cold War. a. Explain the origin and meaning of the term “Iron Curtain.”

The “Iron Curtain” refers to which historical event?A the decision on whether or not to drop the atomic bombB the material that is used to hide military weapons during a battleC the split in Europe between communist and non-communist countriesD the material that separated blacks and whites during the Civil Rights movement(correct answer C)

SS5H7 The student will discuss the origins and consequences of the Cold War. b. Explain how the United States sought to stop the spread of communism through the Berlin

airlift, the Korean War, and the North Atlantic Treaty Organization.

Why did the United States get involved in the Korean War?A to try to defeat Japan againB North Korea attacked the U.S.C to stop the spread of communismD the military was bored after World War II(correct answer C)

SS5H7 The student will discuss the origins and consequences of the Cold War. c. Identify Joseph McCarthy and Nikita Khrushchev.

“Most Likely To Accuse You of Being Communist!” Which person below should get this award?

A Duke EllingtonB Joseph McCarthyC Nikita KrushchevD Thurgood Marshall(correct answer B)

SS5H8 The student will describe the importance of key people, events, and developments between 1950-1975.

a. Discuss the importance of the Cuban Missile Crisis and the Vietnam War.

Which statement could be used to describe the result of the Cuban Missile Crisis?A potentially violent conflicts can end peacefullyB nuclear weapons must be used in all conflictsC the U.S. and Cuba are always peaceful with each otherD communist countries are often the most peaceful(correct answer A)

SS5H8 The student will describe the importance of key people, events, and developments between 1950-1975.

b. Explain the key events and people of the Civil Rights movement; include Brown v. Board of Education (1954), the Montgomery Bus Boycott, the March on Washington, Civil Rights Act, Voting Rights Act, and civil rights activities of Thurgood Marshall, Rosa Parks, and Martin Luther King, Jr.

Use the following list for question #____: Thurgood Marshall Rosa Parks Martin Luther King, Jr.

What links the three people in the list above?A the Civil WarB the Civil Rights movementC the spread of CommunismD the role of African Americans in WWII(correct answer B)

SS5H8 The student will describe the importance of key people, events, and developments between 1950-1975.

c. Describe the impact on American society of the assassinations of President John F. Kennedy, Robert F. Kennedy, and Martin Luther King, Jr.

Why was the assassination of John F. Kennedy significant?A He was assassinated before he had time to choose a Vice PresidentB He was assassinated during the election, before he became PresidentC He was the only person in government supporting civil rights at the timeD He was a popular president who was pushing forward many social changes(correct answer D)

SS5H8 The student will describe the importance of key people, events, and developments between 1950-1975.

d. Discuss the significance of the technologies of television and space exploration.

Which event in U.S. History increased the importance of learning math and science in school?

A Pearl HarborB sharecroppingC the launch of SputnikD the Civil Rights movement(correct answer C)

SS5H9 The student will trace important developments in America since 1975.

a. Describe U. S. involvement in world events; include efforts to bring peace to the Middle East, the collapse of the Soviet Union, the Persian Gulf War, and the War on Terrorism in response to September 11, 2001.

How has the U.S. been involved in the “War on Terrorism” since September 11th, 2011?A a leader, actively going after terroristsB a follower, only acting when asked by EuropeC initially very active, now not involved muchD only involved with terrorists inside the United States(correct answer A)

SS5H9 The student will trace important developments in America since 1975. b. Explain the impact the development of the personal computer and the Internet has had on

American life.

Which is an effect the personal computer has had on American Life?A it is harder to get directions nowB people are less connected to each otherC information is shared more quicklyD school reports are harder to complete(correct answer C)

SS5G1 The student will locate important places in the United States. a. Locate important physical features; include the Grand Canyon, Salton Sea, Great Salt Lake,

and Mojave Desert.

Use the following map to answer question ___:

The circle on the map above represents the location of which physical feature of the United States?

A Salton SeaB Grand CanyonC Mojave DesertD Great Salt Lake(correct answer B)

SS5G1 The student will locate important places in the United States. b. Locate important man-made places; include the Chisholm Trail; Pittsburgh, PA; Gettysburg,

PA; Kitty Hawk, NC; Pearl Harbor, HI; and Montgomery, AL.

Use the following map to answer question #___:

Which of the following is shown on the map?A Pearl HarborB GettysburgC the Mojave DesertD the Chisolm Cattle Trail(correct answer D)

SS5G2 The student will explain the reasons for the spatial patterns of economic activities. a. Explain how factors such as population, transportation, and resources influenced industrial

location in the United States between the end of the Civil War and 1900.

Use the following population map to answer question #___:

It is 1900 and Mr. Jones is looking to start a new factory somewhere in the United States. Which part of the United States would it be easiest for him to find workers?

A the SouthwestB the NortheastC the SoutheastD the Northwest(correct answer B)

SS5G2 The student will explain the reasons for the spatial patterns of economic activities. b. Locate primary agricultural and industrial locations since the turn of the 20th century and

explain how factors such as population, transportation, and resources have influenced these areas.

Use the following map of Georgia’s interstate system to answer question #___:

Why has Georgia become a popular state for companies to distribute their goods in the South?

A the interstates all have simple namesB there are many rest areas on the interstatesC there is major interstate access in all parts of the stateD interstates 95 and 75 connect many states east and west of Georgia(correct answer C)

SS5CG1 The student will explain how a citizen’s rights are protected under the U.S. Constitution.

a. Explain the responsibilities of a citizen.

Which is NOT a responsibility of a citizen of the United States?A to vote for officialsB to pay taxesC to obey lawsD to arrest criminals (correct answer D)

SS5CG1 The student will explain how a citizen’s rights are protected under the U.S. Constitution.

b. Explain the freedoms granted and rights protected by the Bill of Rights.

Which is a freedom protected by the Bill of Rights?A freedom to go to schoolB freedom of speech

C freedom to voteD freedom of life(correct answer B)

SS5CG1 The student will explain how a citizen’s rights are protected under the U.S. Constitution.

c. Explain the concept of due process of law and describe how the U.S. Constitution protects a citizen’s rights by due process.

What is the purpose of due process of law in the U.S. Constitution?A to protect the rights of citizensB to make sure citizens vote properlyC to make sure laws are written correctlyD to explain how the constitution can be amended(correct answer A)

SS5CG2 The student will explain the process by which amendments to the U.S. Constitution are made.

a. Explain the amendment process outlined in the Constitution.

Which two groups are directly involved in the Amendment process as outlined in the Constitution?

A Congress and the StatesB the People and CongressC the Supreme Court and the StatesD the President and the Supreme Court(correct answer A)

SS5CG2 The student will explain the process by which amendments to the U.S. Constitution are made.

b. Describe the purpose for the amendment process.

The writers of the Constitution knew that they might not be able to put everything in the Constitution. They also knew that they might make decisions that would need changing later. What was added to the Constitution in order to make these changes?A the PreambleB the Bill of RightsC the executive branchD the amendment process(correct answer D)

SS5CG3 The student will explain how amendments to the U. S. Constitution have maintained a representative democracy.

a. Explain the purpose of the 12th and 17th amendments.

The 12th amendment deals with which general topic?

A electing senatorsB women’s voting C selecting the presidentD the age a person can vote(correct answer C)

SS5CG3 The student will explain how amendments to the U. S. Constitution have maintained a representative democracy.

b. Explain how voting rights were protected by the 15th, 19th, 23rd, 24th , and 26th amendments.

The leader of a local women’s group is asked to speak about how the Constitution affects women’s voting rights. Which amendment is she MOST LIKELY to talk about in her speech?

A 17th

B 19th

C 23rd

D 26th

(correct answer B)

Why is the 26th amendment significant to younger voters?A it lowers the voting age to 18B it requires everyone under 21 to voteC it removes the age requirement to voteD it allows elementary students to run for office(correct answer A)

SS5E1 The student will use the basic economic concepts of trade, opportunity cost, specialization, voluntary exchange, productivity, and price incentives to illustrate historical events.

a. Describe opportunity costs and their relationship to decision-making across time (such as decisions to ration goods during WWII).

Which is a historical example of opportunity costs?A sinking the Lusitania in 1914B crashing the stock market in 1929C giving up some consumer goods to help the war effort during WWIID selecting male generals instead of female generals during the Civil War(correct answer C)

SS5E1 The student will use the basic economic concepts of trade, opportunity cost, specialization, voluntary exchange, productivity, and price incentives to illustrate historical events.

b. Explain how price incentives affect people’s behavior and choices (such as decisions to participate in cattle trails because of increased beef prices).

Driving cattle on the cattle trails was very hard work in hot, dry locations. Which incentive did people have to do this difficult work?

A the price they could get for selling cattle was highB the more cattle driven, the more slaves they could ownC there were no other jobs available for cattle ranchers to doD people who drove cattle were more likely to become famous(correct answer A)

SS5E1 The student will use the basic economic concepts of trade, opportunity cost, specialization, voluntary exchange, productivity, and price incentives to illustrate historical events.

c. Describe how specialization improves standards of living, (such as how specific economies in the north and south developed at the beginning of the 20th century).

In which area did the economies of the south specialize in the early 1900s?A goldB educationC agricultureD manufacturing(correct answer C)

SS5E1 The student will use the basic economic concepts of trade, opportunity cost, specialization, voluntary exchange, productivity, and price incentives to illustrate historical events.

d. Explain how voluntary exchange helps both buyers and sellers (such as how specialization leads to the need to exchange to get wants and needs).

Stanley goes to the store and pays $50 for a new video game he wanted. If this exchange was voluntary, which is true about Stanley and the store?

A neither benefits because of the transactionB both benefit because each got something they wantedC the store benefits because they got money, but Stanley does not benefitD Stanley benefits because he got the game, but the store does not benefit(correct answer B)

SS5E1 The student will use the basic economic concepts of trade, opportunity cost, specialization, voluntary exchange, productivity, and price incentives to illustrate historical events.

e. Describe how trade promotes economic activity (such as how the Panama Canal increases trade between countries).

How did the Panama Canal affect international trade?A the canal made travel slower and reduced trade between countriesB goods could move from the Atlantic to the Pacific more quicklyC the United States became the central country for international tradeD people in North America could now trade with people in South America

(correct answer B)

SS5E1 The student will use the basic economic concepts of trade, opportunity cost, specialization, voluntary exchange, productivity, and price incentives to illustrate historical events.

f. Give examples of technological advancements and their impact on business productivity during the continuing development of the United States (such as the development of the personal computer and the internet).

Many banks allow their customers to conduct most of their banking from home on their personal computer. How does this affect the banking industry?

A banks can be more productiveB banks are no longer neededC banks need to hire more tellersD banks do not need as much security(correct answer A)

SS5E2 The student will describe the functions of four major sectors in the U. S. economy. a. Describe the household function in providing resources and consuming goods and services.

How do households contribute the U.S. economy?A provide goods and services to all other consumersB provide private businesses with all the money they needC provide the government with money and spend tax moneyD provide resources to businesses and consume goods and services(correct answer D)

SS5E2 The student will describe the functions of four major sectors in the U. S. economy. b. Describe the private business function in producing goods and services.

Who produces most goods and services in the United States?A statesB consumersC the GovernmentD private businesses(correct answer D)

SS5E2 The student will describe the functions of four major sectors in the U. S. economy. c. Describe the bank function in providing checking accounts, savings accounts, and loans.

Which of these would a person NOT expect to find at their local bank?A loansB incomeC savings accountsD checking accounts (correct answer B)

SS5E2 The student will describe the functions of four major sectors in the U. S. economy. d. Describe the government function in taxation and providing certain goods and services.

What does the government do with the tax money it takes in?A gives it to other countriesB invests it in the stock marketC hires people for private businessesD provides public goods and services(correct answer D)

SS5E3 The student will describe how consumers and businesses interact in the U. S. economy.

a. Describe how competition, markets, and prices influence people’s behavior.

Which factor is MOST important for most people when deciding what good or service to buy?

A priceB colorC taxesD competition(correct answer A)

SS5E3 The student will describe how consumers and businesses interact in the U. S. economy.

b. Describe how people earn income by selling their labor to businesses.

Beth wants to earn an income so she can buy things she wants. What is her best option for earning an income?

A take someone’s moneyB sell her labor to a businessC buy lottery tickets frequentlyD go to a bank and ask for a loan(correct answer B)

SS5E3 The student will describe how consumers and businesses interact in the U. S. economy.

c. Describe how entrepreneurs take risks to develop new goods and services to start a business.

Henry Ford spent thousands of dollars developing the first Ford car. He did not know when he made them that they would sell. He also knew there was a chance he would lose his money. Which term BEST describes Henry Ford in this situation?A entrepreneurB governmentC dangerousD consumer

(correct answer A)

SS5E4 The student will identify the elements of a personal budget and explain why personal spending and saving decisions are important.

Why is saving money an important decision for people to make?A to buy things they need nowB to keep banks in businessC to avoid paying taxes nowD to pay for unexpected expenses(correct answer D)