The minimization of price is the key point to minimize monthly payment. Tom should get his machine from Steve's scratch and dent.
In the retailing shops, scratch and dent means the appliances or furniture pieces have a few bumps and bruises as a result of shipping or warehouse damage.
Since Tom wants to minimize his monthly payment, Steve's scratch and dent store will be the best option for him to buy machine.
Thus, the correct option is b.
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