Question:
Bank of America had to charge their members checking fees unlike Chase since they are not struggling in the current economy.

they
Answer:
Chase
Question:
The veterans defeated the newcomers because they were less experienced.

they
Answer:
the newcomers
Question:
The orchestra was booed by the audience because they had expected a rock band.

they
Answer:
the audience
Question:
New York is very crowded compared to South Dakota, but they have much more land instead.

they
Answer:

South Dakota