____ puzzled the mother most was ____the son would never agree with her.

A．What; why

B．That; how

C．Which; when

D．What; where

商业银行非法查询、冻结、扣划个人储蓄存款或者单位存款的，国务院银行业监督管理机构有权对其实施处罚。（）