You are given a background paragraph that describes one or more causal or qualitative relationships such as a relationship in economics or a scientific law and a story that makes use of the concepts or the relationship described in the provided paragraph. You are also given a question about the story that requires an understanding of the relationship described in the background paragraph and the story. You need to come up with an answer to the given question; the answer will be a span from either the question or the story. In order to correctly answer the given question, you need to understand the relationship mentioned in the background paragraph and should be able to use it to understand that in the story. Your answer can not consist of any word that is not mentioned in any of these: the background paragraph, the story, or the question. You can directly copy and paste a span from the story or the question while answering the given question.

Background Paragraph: Iron is first oxidized to iron(II) ions by oxygen. In the second step, the iron(II) ions are further oxidized and combine with water and oxygen gas to produce a hydrated form of iron(III) oxide known as rust. Rusting is one of many example of corrosion. Corrosion is the deterioration of metals by redox processes. Corrosion causes enormous amounts of damage to buildings, bridges, ships, cars, and other objects. It has been estimated that corrosion costs the U.S. economy over 100 billion dollars each year. A great amount of time and effort is spent to try to limit or prevent corrosion.
Story: Two neighboring cities had different climates. Dune city had very dry air and no rain, while Bay city had very high humidity, fog and lots of rain.
Question: Which city had more problems with corrosion?
Bay.

Background Paragraph: The trade-off theory of capital structure is the idea that a company chooses how much debt finance and how much equity finance to use by balancing the costs and benefits. The classical version of the hypothesis goes back to Kraus and Litzenberger[1] who considered a balance between the dead-weight costs of bankruptcy and the tax saving benefits of debt. Often agency costs are also included in the balance. This theory is often set up as a competitor theory to the pecking order theory of capital structure. A review of the literature is provided by Frank and Goyal.[2]

An important purpose of the theory is to explain the fact that corporations usually are financed partly with debt and partly with equity. It states that there is an advantage to financing with debt, the tax benefits of debt and there is a cost of financing with debt, the costs of financial distress including bankruptcy costs of debt and non-bankruptcy costs (e.g. staff leaving, suppliers demanding disadvantageous payment terms, bondholder/stockholder infighting, etc.). The marginal benefit of further increases in debt declines as debt increases, while the marginal cost increases, so that a firm that is optimizing its overall value will focus on this trade-off when choosing how much debt and equity to use for financing.
Story: Company X stopped taking on more debt, and decided to file for bankruptcy, while company Y, kept benefiting from the tax benefits of debt, having a lower debt level.
Question: Which company had more costs than benefits related to debt, company X or company Y?
company X.

Background Paragraph: You may hear males "ribbiting," producing a mating call used to attract females to the bodies of water best for mating and breeding. Frog calls can occur during the day or night. Each frog species has a different call that is used to attract mates and warn off rivals. When a female picks a male whose call she likes, the male grabs her and squeezes across her back and around her abdomen. This causes the female to release her eggs. The male then fertilizes the eggs and, in some species, also guards them.
Story: Bob and Andy were two nature enthusiasts. They went camping together once a month. Bob was into bird watching, while Andy was fascinated with frogs and salamanders. They went on a trip last week-end and they were very happy with what they had observed.
Question: Which friend observed more male frogs grabbing female frogs and squeezing them around the abdomen?
Andy.