Amajor reason for the two-party system is the electoral system which is based on

all of the following apply except for (a. excessive credit on real estate resulting in defaulted loans.

in 1819, panic swept the country due,in part, to the rapid expansion of american manufacturing during the war of 1812 and the distress caused by the post-war british competition. the rapid expansion of american farming was another factor.

explanation:

regarding the law, the 15th amendment was specifically designed thinking in the rights of black free men.

even though ratified on february 3, 1870, the promise of the 15th amendment would not be fully applied for a long time.poll taxes and literacy tests would allow southern states disenfranchise african americans. only in 1965 the voting rights for african americans would be actually able to vote in the south.

in 1965, president johnson signed the voting rights act, which aimed to overcome legal barriers that prevented african americans from voting as it was guaranteed by the 15th amendment to the u.s. constitution.