To determine the most effective conclusion for the passage, consider which option best summarizes and encapsulates the main ideas presented.
The choice "Our ideas about capitalism, commerce, and an individual’s contribution to society would not be the same without the Puritan model." effectively ties back to the influence of the Puritan work ethic and its impact on American values and economic principles. It presents a broader perspective and leaves the reader with a clear sense of the significance of the topic discussed.
Therefore, the most effective conclusion would be: "Our ideas about capitalism, commerce, and an individual’s contribution to society would not be the same without the Puritan model."