At Mattress Store, Nate signs a contract to buy bedroom furniture. The contract sets a schedule of $$500$ monthly payments, subject to a late fee of $15$ percent. Nate finds the language of the contract difficult to understand. This is most likely

a$.$

an enforceable contract.

b$.$

procedural unconscionability.

c$.$

substantive unconscionability.

d$.$

an exculpatory contract.