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46.What advantage can credit card holders have?

• A、They can choose not to pay for their purchases.

• B、They can easily borrow money at a lower interest.

• C、They can own something before they actually pay for it.

• D、They can pay only a small amount of what they owe.

(57)___

19.The university regulations require that the students＿＿ at least 90% of the lectures.

• A、attended

• B、to attend

• C、would attend

• D、attend