In the office I never seem to have time until after 5:30 p. m., _____ many people have got home.

A whose time             B. by that time

C. on which              D. by which time

意外伤害保险的保险责任具有的特征有( )。

A．被保险人须遭受意外伤害事故

B．须导致被保险人死亡或残疾

C．意外伤害事故是死亡或残疾的直接原因

D．意外伤害事故须发生在保险期间内

E．意外伤害险在办理完成后可即刻生效