Прочитайте текст и изберите лучший вариант, чтоб заполнить промежуткиIn countries such

Прочитайте текст и изберите лучший вариант, чтобы заполнить промежутки
In countries such as UK and France there may be room for further 1) _______,
but banks in the Netherlands and Irelands already have to look 2) ______ for a second
home market.
Retail banking has proved resistant to economies of 3) _______. In specific
4) _______ such as credit card 5) ________, unit costs fall rapidly 6) ________ size.
In banking more generally, however, the 7) _______ of operations reduces the benefits
resulting fromsize.
That may be changing with 8) _______ IT use in banking. The cost of software
development is one of the biggest factors with 14 banks 9) _________ to the spending
more than 1 billion a year on IT.
Thus, it can be concluded that a wave of mergers and 10) ________ has
completely reshaped the face of the international finance industry.

1) development, consolidation, widening, increase
2) inside, upside down, abroad, over borders
3) international banks, scale, national states, wholesale banks
4) acts, transactions, opportunities, activities
5) processing, analysis, insurance, underwriting
6) from, across, behind, with
7) necessity, complexity, difficulty, decrease
8) falling, increasing, altering, diminishing
9) estimated, calculated, numbering, accounting
10) alliances, rivalries, acquisitions, conglomerates