对个人信贷业务，（）向个人征信系统查询客户的个人信用报告。

A、全部要

B、个人质押贷款除外，其他需要

C、全部不要

D、个人经营类贷款除外，其他需要

—— The water changes into thick ice covering rivers and lakes in winter in Harbin.

—— ＿＿＿＿ in Urumqi and children go skating on it then.

A．So is it

B．So it does

C．So it is

D．So does it