商业银行在评级时主要考虑的因素不包括( )。

A．借款人的家庭背景

B．财务报表分析结果

C．借款人财务信息的质量

D．借款人所在国家

When I graduated from high school , my family had a business ____ I never thought about getting a college education.

A．so

B．or

C．though

D．since