The use of pools and holding companies benefited which of these groups during the late 19th century and early 20th century?
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"Andrew Carnegie ( , but commonly or ; November 25, 1835 – August 11, 1919) was a Scottish-American industrialist who led the enormous expansion of the American steel industry in the late 19th century. He was also one of the highest profile philanthropists of his era; his 1889 article Wealth (known more commonly—particularly in colloquial parlance—as The Gospel of Wealth) remains a formative advisory text for those who aspire to lead philanthropic lives."
Answer A is best