Which one of the following statements is FALSE?

	a.	Internet bank offer credits cards and ATM cards.
	b.	The 12 hour time difference between India and the US has eliminated the outsourcing of US medical imaging interpretation. Medical imaging interpretation means 'take the xRAY in the US and send the picture over the INTERNET and a doctor in some foreign country reads it and then sends the results back to the US'.
	c.	Since people use shopping carts in Walmart and Shoprite, using a shopping cart on the web was an easy transition from paper forms.
	d.	Internet banks can offer higher interest rates to depositors since they have NO physical bank overhead.