Your efforts to develop good habits will later, and it is well worth working hard to do s

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(答案→)A. pay off
B. pay back
C. pay for
D. pay up
解析：句意：你养成好习惯的努力以后会得到回报，它是值得你这样努力工作的。pay off得到回报； pay back偿还； pay for付钱； pay up付清欠款。根据句意故选A。