投保人故意不履行如实告知义务，保险人有权解除保险合同，对合同解除前发生的保险事故不承担赔偿或给付保险金的责任，在扣除手续费后退还保险费。

Humans are polluting the earth day by day, ________, of course, will cause punishment sooner or later.

A．that

B．it

C．which

D．what