Harry, the Hotshot, salesman got a tip from his brother about Kansas Power Tools (KPT). He sees that his company’s research department has a sell rating on KPT, and says, "I know better." He reads the annual report, taking notes and marking it "BUY-takeover target (Analyst’s rating is sell). If the recommends the stock to his clients, Harry:（）

A. has violated the code because the analyst has a sell rating.

B. has violated the code because he has not done sufficient research, including meeting management and comparing the company to others in its industry.

C. is not in violation of the code.

根据中国人民银行规定，贷记卡透支按月计收( )。

A．复利
B．单利
C．保证金
D．备用金