 Complete the following phrase:  The decline began with the Payne-Aldrich Tariff Act of 1909, which was mostly lobbied for by American publishers who did not wish to compete with German publishers. By some estimates, the new tariffs on postcards were an increase of 300 percent. Many distributors imported large quantities of German-produced cards before the tariffs took effect, causing a glut in the market. German publishers began moving production to the United States shortly after the Payne-Aldrich Tariff Act to keep selling to the American market. Ultimately, the tariffs contributed to the end of the golden age as publishing quality decreased American technology lagged behind German, and as public interest in collecting waned. The National Postcard Association was formed to combat unfair practices, low prices, and an excessive amount of unsalable postcards. Effects of the tariffs were reinforced by the 