What is learned in books cannot have the same deep effect _____ a child’s character as what is learned _____ experience.

A．on, in

B．on, by

C．in, by

D．by, with

客户在网银办理协定金额转帐协议时，必须具有（）

A、牡丹灵通卡

B、理财金账户卡

C、牡丹信用卡

D、个人客户证书