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101. Even though the direct costs of malpractice disputes amounts to a sum lower than one percent of the $541 billion the nation spent on health care last year, doctors say fear of lawsuits plays a major role in health-care inflation.
(A) amounts to a sum lower
(B) amounts to less
(C) amounted to less
(D) amounted to lower
(E) amounted to a lower sum
这里say是什么成分呢？是doctors的谓语吗？如果是，为什么后面的宾语从句不用that；如果不是，它又是什么成分呢？doctors say fear of lawsuits plays a major role in health-care inflation.这句话如何翻译？
多谢！ | 
