Read the following excerpt from a US court opinion:
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Conversely, if the lender increases the interest rate in a manner not previously disclosed, the rate increase would constitute a new transaction subjecting it to new disclosure requirements. In Key Sav. Bank, F.S.B. v. Dean, 695 So.2d 808, 810 (Fla. 4th DCA 1997), we held that “increases in interest rates are not considered ‘new transactions’ when a creditor gives prior disclosure that rates are subject to change, the conditions of the changes, and the limits of any possible change.” We further stated that “If [the lender] properly disclosed the variable-rate information, then each rate change would be just a subsequent occurrence.” Id. at 810; accord Hubbard v. Fidelity Federal Bank, 824 F.Supp. 909, 918 (C.D.Cal.1993), ajfd in part and rev’d in part, 91 F.3d 75 (9th Cir.1996) . It is not merely the initial “mis-disclosure”
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What is the most suitable continuation to the opinion? Your options are:
A. holding that once a rate is filed with the appropriate agency except for review of the agencys orders the courts can assume no right to a different rate on that ground that in its opinion it is the only or the more reasonable rate
B. holding that under the filed rate doctrine a question regarding reasonable rates should be addressed to the department of insurance and that the rate plaintiff was charged is conclusively presumed reasonable under the filed rate doctrine
C. holding that with respect to the eaja the local or national market rate for legal services cannot be a special factor used to increase the rate beyond the statutory rate
D. holding that the proper rate for prejudgment interest is the rate fixed by the parties in a contract
E. holding under 12 cfr part 226 supp i  20a1984  a lender is obligated to provide new disclosures if the variable rate feature was not properly disclosed in accordance with regulation z and the lender 1 increases the rate based on a variable rate feature that was not previously disclosed or 2 adds a variablerate feature to the obligationemphasis added
Reply with [A, B, C, D, E] only.