Why "bank runs” occurred before FDR took office?

what the first or next guy says

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:

during the middle ages bibles and most christian literature was written in latin i think that’s the answer you are looking for