In the 1990s and 2000s, the number of banks decreased worldwide as a result of
a.
mergers
b.
monopolies
c.
natural disasters

d.
government regulations

A. mergers

Explanation:

in 1897, pershing became a tactical officer at west point, and that's where he was given the nickname "black jack." pershing's first name is "john," for which "jack" is a nickname, and he was a white man who commanded black troops. hence "black jack".

i believe it was spain