M: But where did you get the money to buy all this？ You didn't borrow money from mom and dad again, did you？
W: Of course not. I got it with this!
M: This？ Let me see that... Have you been using Dad's credit card again？
W: No, silly. It's mine. It's a student credit card.
M: A student credit card？ How in the world did you get one of these？
W: I got an application in the mail.
M: Well, why did you get one in the first place？
W: Listen. Times are changing, and having a credit card helps you build a credit rating, control spending, and even buy things that you can't pay with cash.
M: How does a student credit card control spending？ It sounds you've spent yourself in a hole. Anyway, student credit cards just lead to impulse spending.., as I can see hem. And the interest rates of student credit cards are usually sky high, and if you miss a payment, the rates, well, just jump!
W: Did I tell you we now get digital cable with over 100 channels？ Oh, and here's your birthday present. A new MP3 player...
M: Yeah. Oh, don't tell me. Charged on the credit card. Listen. Hey, I don't think having a student credit card is a bad idea, but
this is ridiculous. And how on earth are you going to pay your credit card bill？ W: Urn, with my birthday money？. It's coming up in a week.
M: Hey, let's sit down and talk about how you're going to pay things back, and maybe we can come up with a budget that will help you get out of this mess. That's the least I can do.
(20)

A. Friends.
B. Adviser and client.
C. Father and daughter.
D. Brother and sister.