（2009）某年的通货膨胀率是5％，银行贷款利率为9％，则贷款的实际利率是（）。

A.3.67％

B.3.81％

C.4.69％

D.4.76％

He will come to understand your efforts sooner or later. It's just a matter of _____.

A. luck              

B. value             

C. time          

D. fact