First of all let me state the simple fact that when you deposit money in a bank the bank does not put the money into a safe deposit vault. It invests your money in many different forms of credit-bonds, commercial paper, mortgages and many other kinds of loans. . . . A comparatively small part of the money you put into the bank is kept in currency—an amount which in normal times is wholly sufficient to cover the cash needs of the average citizen. . . .

What, then, happened during the last few days of February and the first few days of March? Because of undermined confidence on the part of the public, there was a general rush by a large portion of our population to turn bank deposits into currency or gold. A rush so great that the soundest banks could not get enough currency to meet the demand.

Which characteristic of this text helps the reader understand the purpose of the address?

the inclusion of language intended to anger the public
the failure to include any information related to the banking crisis
the explanation of the problems of the current banking system
the description of how a bank holiday would solve the present problems