It knowledge is power,    ______Sir Francis Bacon wrote in 1579,   ______perhaps creativity ca be described as the ability to use that power.

A．what; and

B．as; then

C．which; and

D．that; then

在个人住房贷款中，若保证人向第三方提供超出其自身负担能力的担保的的，银行应限期要求借款人更换贷款银行认可的新的担保。()