Which of the following problems was a reason for bank panics prior to the establishment of the Federal Reserve bank: a. Currency was not uniform in value. b. Currency was not backed by the full faith and credit of the United States Government. c. Currency could become worthless if the issuing bank went bankrupt. d. Lack of regulation of the financial markets often led to bank runs. e. All of these were elements of the bank panics that occurred prior to the establishment of the Federal Reserve System.