如果a选项是对的。如果California banks charge depositors（存款人） more than banks elsewhere do for many of the services they offer，那么the comparatively high wages they must pay to attract qualified workers已经由于charge存款人而得到了补偿。既然这样，a选项怎么waken 了This shortage of competition among banks explains why interest rates on personal loans in California are higher than in any other region of the United States这样一个结论呢？谢谢

8. Consumers in California seeking personal loans have fewer banks to turn to than do consumers elsewhere in the United States. This shortage of competition among banks explains why interest rates on personal loans in California are higher than in any other region of the United States.

Which of the following, if true, most substantially weakens the conclusion above?

(A) Because of the comparatively high wages they must pay to attract qualified workers, California banks charge depositors more than banks elsewhere do for many of the services they offer.

(B) Personal loans are riskier than other types of loans, such as home mortgage loans, that banks make.

(C) Since bank deposits in California are covered by the same type of insurance that guarantees bank deposits in other parts of the United States, they are no less secure than deposits elsewhere.

(D) The proportion of consumers who default on their personal loans is lower in California than in any other region of the United States.（A）

(E) Interest rates paid by California banks to depositors are lower than those paid by banks in other parts of the United States because in California there is less competition to attract depositors.