个人质押贷款的特点包括（）。

A.操作流程长

B.贷款风险较低，担保方式相对安全

C.时间长、周转慢

D.质物范围广泛

E.单笔贷款额度低

____________ no doubt that 100 years ago animal testing was cruel but today animals in experiments are very well taken care of.

A．It is

B．There is

C．This is

D．That is