Interest refers to the amount what your money earns when it is kept in a savings instrument.
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【正确答案】 1、正确答案：定语从句关系代词误用，应把what改为which或者that或者直接删去。    
【答案解析】解析：amount在此是先行词，后面是一个定语从句，关系代词在从句中作宾语，故应用that或which引导，也可将其省略。