Which statement BEST explains how the author uses cause and effect to organize American Savings Program?
 A
 The author explains how pageants were used to convince students to save their money.
 B 
 The author explains how interest is earned from money deposited into a savings account.
 C 
 The author explains how independent banks closed due to an economic downturn in the 1990s. 
 D 
 The author explains how savings programs help individuals successfully plan for their financial futures.