A、5:15. B、4:45. C、0.239583 D、0.177083 B根据对话中提到的Jack and I always get up at about a quarter to five可知，女士每天早上4：45起床，故答案为[B]。

M: And now, Mrs. Smith, can you tell us what happened at your apartment when the earthquake ended?
W: Oh, it was terrible. I’ll never forget it. Well, Jack and I always get up at about a quarter to five. He has to work early. You see, while I was in the kitchen preparing breakfast, the quake came. There was this horrible sound and the floor was just bouncing and rolling like wave, all at the same time.
M: Then what did you do?
W: Well, we figure out it was an earthquake. Then I crawled under the table, and I shouted at Jack to come. But he just stood there.
M: Whoa!
W: It lasted 24 seconds, and then it stopped. And Jack and I could hear people talking outside, so we tried to go out to the front door, but it was jammed shut. And then the first aftershock hit.
M: That’s incredible. Then what did you guys do?
W: Well, I remember that someone shouted, "Get out of there, quickly!" Jack said: "We’ll go out of the window." But I called out: "It’s too high up," because we were living on the second floor. "Not any more," Jack shouted back. So, we looked out of the window and, sure enough, we were down on the ground!
M: Your second floor apartment was on the ground?
W: We couldn’t believe it. We opened the window and crawled out. Once we were down safely, we turned around and looked back at our apartment building. The whole first was gone — it was just totally flattened.
M: Mrs. Smith, do you mean that the whole first floor was gone?
W: Yes, the first floor was gone.
M: And what about your apartment?
W: The apartment, can you believe it, had moved and stood there.
M: Incredible, Mrs. Smith, absolutely incredible.
Questions 19 to 22 are based on the conversation you have just heard.
19. At what time does the woman get up every morning?
20. What was Jack’s first reaction after the earthquake came?
21. Why did the woman and her husband get down on the ground directly after crawling out of the window?
22. What was the woman’s apartment like after the earthquake?