在个人住房贷款的审批过程中，采用单人审批时，贷款审批人直接在（）上签署审批意见。

A.个人住房借款申请书

B.个人信贷业务报批材料清单

C.个人信贷业务申报审批表

D.个人住房贷款调查审查表

Questions 15～18

A. By surveying on the earth surface changes.
B. By recording the frogs’ movement in the field.
C. By messengers on horseback.
D. By the astronomer observing the night sky.