thE Author ArguEs thAt thE ChAngE to A nAtionwiDE BAnking systEms shoulD BE ______.
A．grADuAl, so thAt rEgionAl BAnks hAvE A ChAnCE to CompEtE with lArgEr BAnks
B．postponED, until thE ConsEquEnCEs CAn BE EvAluAtED
C．immEDiAtE, BECAusE wE CAnnot AFForD Any morE BArk FAilurEs
D．ACCElErAtED, to ovErComE lEgislAtivE FEAr