借款人归还个人住房贷款时，采取的支付方式在贷款期内不得变更。()
参考答案：错
具有益肾固精。养心安神功效的药物是（）
A.山茱萸
B.五倍子
C.莲子
D.诃子
E.金樱子
Questions 1-4
What is the speaker’s suggestion for further advancement in learning English？（）
A．Try another approach.
B．Give yourself some time for sleeping.
C．Keep on learning and practicing.
D．Reward yourself from time to time.
