Oscar's Takeaways has the opportunity to purchase supplies on credit terms of 'net 20 days from invoice date; 0.5% cash discount for payments within 10 days'. Calculate the cost of foregoing the discount. If Oscar's bank account is currently in overdraft at an interest rate of 15%, should Oscar's take or forego the discount? Select one or more: a. 18.34%; forego discount. b. 18.34%; take discount. c. 36.87%; forego discount. d. 36.87%; take discount. e. None of the above