—May I speak to your manager Mr. Williams at five o’clock tonight?

—I’m sorry, Mr. Williams _____ to a conference before then.

A．will have gone

B．had gone

C．would have gone

D．has gone

贷款抵押是指借款人或第三人在（）的情况下，将财产作为债权的担保，银行持有抵押财产的担保权益，当借款人不履行借款合同时，银行有权以该财产折价或者以拍卖、变卖该财产的价款优先受偿。

A．不转移财产占有权

B．转移财产占有权

C．不转移财产使有权

D．转移财产使有权