You need to answer a given question containing a blank (_). Your answer must be one of the two objects mentioned in the question, for example "trophy" and "suitcase". Your answer must not contain a word that is not present in the question. Please don't use articles (e.g., the, a) before the answer.

Q: The hospital bill affected my credit score negatively, but the insurance bill did not. That's because I paid the _ on time.

A: insurance bill
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Q: James was speaking as loud as his voice could go over the music but no one could hear him because the _ is lower.

A: voice
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Q: The scientist used small organisms like copepods to retest her experiment in the lab setting, because the _ reproduce quickly.

A:
copepods
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