Прочитайте текст и выберите 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

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