In a real estate transaction the abbreviation "APR" stands for: a) Annual Percentage Rate: The rate charged (expressed as a percentage) as determined by applying the federal government's definition of finance charge to the federal government's definition of consumer credit b) Annual Percentage Rate: A term derived from the Truth-in-Lending Act that represents the relationship of the total finance charge to the amount of loan, expressed as a percentage. c) Annual Percentage Rate: Your costs over the loan term expressed as a rate. This is NOT your "interest rate" on the loan. d) All stated answers are correct