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Explanation:

In the first paragraph, the author says, “the talk is hard to follow when one has not made a habit of listening to it for a while.” He/she also says, “Underneath it all (the economist's favorite phrase) conversational habits are similar.”
Option 3 says the same thing; unfamiliar terms make it arcane whereas the conversational part is similar.
Options 1, 2 and 4 do not follow from the passage.
Hence, the correct answer is option 3.

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