1) If the bank charges 6% interest, days of suppliers are 30, and the supplier offers me an early payment (0 days) discount of 0.5%, then:

a. I should not take the discount, and use the credit from the bank.

b. I should take the discount, and not use the credit from the bank, as both are costly.

c. I am indifferent between using credit and taking the discount from the supplier, because the cost is the same.

d. I should take the discount, and use the credit from the bank, as the bank is cheaper.