first, as you scan the answers, you should quickly eliminate any choice that has it and them; both are ambiguous and do not have a clear antecedent.
second, rising interest rates is plural because rising is just an adjective
this gives you at least three reasons for not choosing option A.
IMO, D has two problems:
1) a rise is singular and should be followed by makes, not make
2) a rise in interest rates is a wordier way of conveying the same message.
as it stands, B is the best choice that does not have the above flaws. hope this helped.
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