Who responsible for the depression the country, History

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In Franklin D. Roosevelt's first inaugural address, who did he say was responsible for the depression the country was facing at the time? a. leaders of American businesses, through stubbornness and incompetence b. American labor, through lack of industry and hard work c. the banking establishment, who refused to provide enough loans to keep the economy moving d. government, for refusing to spend enough money to keep the economy moving forward

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