在个人贷款中，信用风险的表现不包括（）。

A.还款能力风险

B.还款意愿风险

C.违约风险

D.欺诈风险

—          at this season of the year in the north?  

—It's much hotter than last year. The high temperature has lasted for days.  

A. How are things going  

B. How are you getting on  

C. What's the weather like  

D. What do you do