免赔额实质上是一种（）的形式。

A.保险

B.避免风险

C.损失风险

D.自担风险

Directions: For this part, you are allowed thirty minutes to write a composition on the topic: A Letter to the University President about the Canteen Service on Campus You should write at least 100 words, and base your composition on the outline given in Chinese below:假设你是李明，请你就本校食堂的状况给校长写一封信，内容应涉及食堂的饭菜质量、价格、环境、服务等，可以是表扬，可以是批评建议，也可以兼有而有之。