Which of the following statement is true? Automated teller machines ______ Select one: a. are more costly to use than human tellers, so banks discourage their use by charging more for use of ATMs b. cost about the same to use as human tellers in banks, so banks discourage their use by charging more for use of ATMs c. cost less than human tellers, so banks may encourage their use by charging less for using ATMs d. cost nothing to use, so banks provide their services free of charge