How does Truth-in-lending benefit consumers when shopping for a loan?a.Truth-in-lending allows consumers to be frank with the lenders and talk about very personal things.b.Truth-in-lending requires all lending institutions to eventually convert all of their loans to fixed interest rates. c.Truth-in-lending requires consumers to admit whether or not they can actually afford the loan they’re applying for. d.Truth-in-lending allows consumers to know every cost that is associated with the loans they research and apply for, and helps them reach the optimal decision.