Along with the letter was his promise _______ he would visit me this coming Christmas.   [ ]

A. which

B. that

C. what

D. whether

下列哪些选项属于银行对贷款抵押应采取的风险管理措施（）

A.银行应充分认识和有效防范各类抵押物的风险

B.银行应密切关注抵押物的财产权变动情况

C.银行应对抵押物定期进行估价

D.银行应注意对抵押物是否投保以及保险权益转让、变更是否合法、有效