What's the difference between a "commercial L/C" and a "standby credit"? Question 11 options: A) A commercial credit pays for merchandise while a standby credit is used for leases B) A commercial credit is a payment mechanism while a standby credit is primarily a security or guarantee mechanism C) A commercial credit is issued by a private entity while a standby credit is issued by a governmental entity D) A commercial credit earns interest while a standby credit just lies there