<Tr> <Th> 1894 </Th> <Td> 18.4 </Td> <Td> 12.3 </Td> </Tr> <Tr> <Th> 1895 </Th> <Td> 13.7 </Td> <Td> 11.1 </Td> </Tr> <Tr> <Th> 1896 </Th> <Td> 14.5 </Td> <Td> 12.0 </Td> </Tr> <Tr> <Th> 1897 </Th> <Td> 14.5 </Td> <Td> 12.4 </Td> </Tr>

Which of the following occurred as a consequence of the panic of 1893