What is character encoding?

  A character encoding provides a key to unlock (ie. crack) the code. It is a set of mappings between the bytes in the computer and the characters in the character set. Without the key, the data looks like garbage. The misleading term charset is often used to refer to what are in reality character encodings.

Explanation:

technician b is correct

answer; insurance cards, drivers licenses,and payment cards for fuel;

i believe the above answer to be correct;