HELP

dongdongdong

1.The prime lending rate is a key rate in the economynot only are the interest rates on most loans to small ans medium-sized business tied to the prime,but also on) a growing number of comsumer loans including home equity loans.
THE ANSWER IS B:
tied to the prime are the interest rates not only on most loans to smal and medium-sized business,but also on

could someone translate the sentense to me?
thank you very much!

2.federal authoritiesinvolved in the investigation have found ( the local witnesses are difficult to locate, reticent and are) suspicious of strateges.
c:that local witnesses are difficult to locate, reticent ,and
e:that local witnesses are difficult to locate, reticent and they are
it should be c,
but I can't understand what the sentense mean,especially for the last half sentense.

thank you!