单项选择题Why are people reluctant to take on more debt despite the low interest rates（）

A．They are afraid of losing their good credit ratings.
B．They are pessimistic about employment prospects.
C．They have little faith in the Fed’s financial policies.
D．They expect the Fed to further lower interest rates.

单项选择题A．Go and get the groceries at once.B．Do some shopping on their way home.C．Manage with what they have.D．Have the groceries delivered to them.