What did many northerners like james pike and carl schurz come to believe about race and reconstruction by the mid-1870s?

both are true, the congress does have the power to create banks, even if this power is not specifically described in the constitution, since there is nothing restricting it and there is power given to the congress to make "all laws which shall be necessary and proper". maryland was not allowed to tax a branch of the national bank operating there, and the supreme court decided that no state could. both of these topics were discussed in a decision of the mcculloch v. maryland case in 1819.

c. more people could read and interpret the bible for themselves

the answer would more than likely a.)falling crop prices  

hope the answer is right and ,either way have a nice day.