流体智力和晶力智力说是由美国心理学家（）提出来的。

A．斯皮尔曼

B．卡特尔

C．瑟斯顿

D．吉尔福特

Which of the following statements about asset backed securities (ABSs) is most accurate（）

A. The credit rating of an ABS must be the same as that of the issuer.

B. Residential mortgages represent the largest type of asset that has been securitized.

C. There is an inverse relationship between credit enhancements and ratings.