A - try to weaken the conclusion "shortage of competition among banks explains (X) why interest rates on personal loans in California are higher than in any other region(Y)" by giving alternative - high wage for employees (Z) gets the bank to charge the higher % for Deposits (K) and it may also necessitate to increase % (Y) not only lack of competition(X).
X not - >Y but ? K may also -> Y
X not - >Y but ? K may also -> Y
