Which is not essential in building a new civilization?
a.
a surplus of food
b.
many people living permanently together in one place
c.
different jobs for different workers
d.
an area free from warfare

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.