I        in Microsoft Company for many years, but I have never regretted my final decisin to switch to

Apple Company.[ ]

A. had worked

B. have worked

C. have been working

D. worked

借款人可能因违规、违法等行为受到处罚，如被学校开除，或因学习成绩不好，未拿到毕业证，毕业找不到好工作。这属于个人教育贷款信用风险中的（）。

A.操作风险

B.欺诈风险

C.还款意愿风险

D.行为风险