关于个人贷款业务中格式条款的说法，正确的是( )。

A．借款人通常是格式条款的提供方

B．格式条款一般对当事人不产生约束力

C．格式条款与非格式条款发生冲突时，应当采用格式条款

D．格式条款与非格式条款不一致时，应采用非格式条款

Which of the following most logically completes the argument below
In recent years, the proportion of car buyers who buy new cars rather than used cars has declined. Some consumers have attributed this change to an increase in new-car prices. As evidence of the price increase, they cite figures that show that, even adjusting for inflation, the price that the buyer of a new car pays, on average, is far higher now than a few years ago. This evidence is unpersuasive, however, because（）.

A．the value of a car that is bought new declines much more rapidly than does the value of a car that is bought used

B．after someone has bought a car, it might be several years before that person next buys a car

C．a decline in the proportion of car buyers who buy new cars must necessarily mean that the proportion who buy used cars has increased

D．the relative increase in used-car sales might be explained by the decisions of only a small proportion of all car buyers

E．the change in the average price paid for a new car could result solely from more people’s rejecting inexpensive new cars in favor of used cars