Rice earned her third gold medal of these games, having swept both individual medleys with world-record times.
The Chinese team of Yang Yu, Zhu Qianwei, Tan Miao and Pang Jiaying took the silver in 7:45.93.
The U.S. team of Allison Schmitt, Natalie Coughlin, Caroline Burckle and Katie Hoff earned the bronze in 7:46.33, the first time the Americans have lost the event since it began in 1996.
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