The charity sale our school organizes every year has taught us much. _______ we would never have learned it in class.

A．Therefore

B．Meanwhile

C．Otherwise

D．Instead

按照贷款利率的确定方式划分，个人住房贷款可分为( )。

A．自营性个人住房贷款

B．公积金个人住房贷款

C．固定利率贷款

D．浮动利率贷款

E．个人住房转让贷款