讨论一道时态问题

CRX1230

1. The Wallerstein study indicates that even after a decade young men and women still experience some of the effects of a divorce occurring when a child.
(A) occurring when a child
(B) occurring when children
(C) that occurred when a child
(D) that occurred when they were children
(E) that has occurred as each was a child

我在D和E上纠结，正确时D

1、因为看了整个句子，了解到这是一个持续的effect，所以我直接选了现在完成时。
可E的官方解释说现在完成时错了？ 而且as each was a child也不对，这里我不太清楚

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个人觉得是： when they were children这个动作是过去式，所以你要么用过去式，要么用过去完成时，就是说当他们还是小孩的时候(过去式)，离婚发生或者已经发生了，离婚这个事件伴随的是一个过去的动作，所以不可能用现在完成时。