Market analyst: According to my research, 59 percent of consumers anticipate paying off their credit card balances in full before interest charges start to accrue, intending to use the cards only to avoid carrying cash and writing checks. This research also suggests that in trying to win business from their competitors, credit card companies tend to concentrate on improving the services their customers are the most interested in. Ttherefore, my research would lead us to expect that __. Which one of the following most logically completes the market analyst's argument? ["most consumers would be indifferent about which company's credit card they use", 'credit card companies would not make the interest rates they charge on cards the main selling point', 'most consumers would prefer paying interest on credit card debts over borrowing money from banks', 'the most intense competition among credit card companies would be over the number of places that they can get to accept their credit card']