How often have you queued for ______ seems like hours at the booking office before you can get a train ticket

A．what

B．which

C．that

D．when

《个人贷款管理暂行办法》规定，采用贷款人受托支付的，贷款人应要求借款人在使用贷款时提出（），并授权贷款人按（）方式支付贷款资金。