Retained earnings:

a. Generally consists of a company's cumulative net income less any net losses and dividends declared since its inception.
b. Can only be appropriated by setting aside a cash fund.
c. Represents the amount shareholders are guaranteed to receive upon company liquidation.
d. Are never adjusted for anything other than net income or dividends.
e. Represent an amount of cash available to pay shareholders.

Jason is looking for an engagement ring to offer his girlfriend. he has found a similar ring at each of four different jewelry stores. he doesn't have enough money to pay for the ring in cash, so he is planning on opening a line of credit (credit card) at the store he ends up buying the ring from. the chart below outlines the difference in the price of the rings the different stores offer as well as the difference in credit options. jason plans to pay off the ring purchase in 36 months. according to the information in the table, which of the jewelry stores will have the cheapest ring in the end?