Some people create jobs, foster excitement and basically make the system work. They see possibilities ________ others see only problems.

A．that

B．what

C．which

D．where

商用房贷款的利率不得低于中国人民银行规定的同期同档次利率的( )倍。

A．1倍

B．1.1倍

C．1.2倍

D．2倍