关于个人耐用消费品贷款说法正确的有（）。
A.个人耐用消费品贷款是银行向个人发放的、用于购买日常消费品的人民币担保贷款
B.借款人需要银行指定的商户处购买商品
C.近几年个人耐用消费品贷款的业务规模处于不断萎缩状态
D.耐用消费品通常是指价值较大、使用寿命相对较长的家用商品
E.个人耐用消费品贷款的利率执行中国人民银行的同期存款利率
参考答案：B, C, D
解析：A个人耐用消费品贷款是银行向个人发放的、用于购买大额耐用消费品的人民币担保贷款。E个人耐用消费品贷款的利率执行中国人民银行的同档次贷款利率。
I heard the bees long before I saw them. It was a very hot afternoon, and we decided to 21 in the river near my home. As we climbed down a small rocky hill toward the water, my boyfriend John 22 started to shout and then jumped into the water below. Peter and Mary quickly 23 but I was too far away to jump. I was 24 . I heard a low hum, which was growing louder. From a 25 , the group of bees looked almost like a cloud of smoke. As it got closer, I realized it was actually thousands of bees flying towards me. All I could do was 26 my face with my hands. 27 , I thought that if I sat very 28 , the bees would think I was just another rock. After a few seconds, I knew my 29 had failed. The bees were attacking me. I could hear my friends shouting at me to get down. But it wasn’t so easy. The only way I could 30 was to use my hands to climb down the rocks. However, I was afraid to do that at first because my face would be 31 . The noise the bees made was so loud and 32 , and I had no choice. I rushed down the rocks and jumped into the pool. I was just so happy to be free from the pain and the water felt so 33 . But we still weren’t out of 34 . Every time we tried to climb out, the bees flew back over our heads. We spent the next three hours in the water until the bees finally lost 35 .
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