What is the difference between a service charge and a finance charge?a.A service charge is a fee which must be paid every month, while a finance charge is a one-time fee assessed at the beginning or end of a loan period.b.A service charge is a flat fee charged to a borrower, while a finance charge is a fee charged to a borrower based on the amount borrowed.c.A service charge is a fee assessed by a lender, while a finance charge is a fee charged by a financial institution, such as a bank.d.A service charge is a fee assessed by a lender other than interest, and a finance charge is the total of the interest paid on a loan and the service charge.