单项选择题

The opening of the insurance market will expand business scale, intensify market ______and break monopoly.

A. challenge
B. encounter
C. opponent
D. competition
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Going into the city by the expressway takes______longer than the local roads because of heavy traffic.
A. even
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At the beginning of the fiscal year, interest rates climbed______3.2 percent, up half a point from the previous year.
A. by
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