Ramba uchinyora ndima iyi - Apo Purezidhendi weUnited States Andrew Jackson akabvumira bumbiro reSecond Bank of the United States kuti ripere muna 1836, U.S. yakanga isina rudzi rupi norupi rwebhangi rapakati, uye kuwanda kwemari muNew York City kwakashanduka-shanduka negadziriro yegore negore yokurima yenyika. Gore negore mumatsutso mari yaibva muguta sezvo zvirimwa zvaitengwa uye - mukuedza kukwezva mari kudzoka - mitengo yemari yaisimudzwa. Vashambadzi vokune dzimwe nyika vakazotumira mari yavo kuNew York kuti vabatsirwe nemitero yakakwirira. Kubva muna January 1906 apo Dow Jones Industrial Average yakakwira kusvika pa103, misika yakatanga kururamisa zvishoma kwaizopfuurira gore rose. Kudengenyeka kwenyika kwaApril 1906
San Francisco yakaparadzwa yakakonzera kusagadzikana kwemusika, kuchikurudzira mafashamo makuru emari kubva kuNew York kuenda kuSan Francisco kuti abatsire kuvakazve. Chimwe chinetso pamari yakapiwa chakaitika mukupera kwa1906, apo Bank of England yakasimudza mitengo yayo yechimbadzo, muchidimbu semhinduro kumakambani einishuwarenzi eUK aibhadhara zvakawanda kwazvo kuvachengetesi veUnited States, uye mari yakawanda yakasara muLondon kupfuura zvaitarisirwa. Kubva pakakwirira muna January, mitengo yemasheya yakaderera ne18% muna July 1906. Pakupera kwaSeptember, masheya akanga awanazve inenge hafu yezvaakanga arasikirwa nazvo.