Please answer with an explanation on why whoever's method is wrong thank you

Can someone me with this graph problem by the way i need to know the answers by today since this assignment is due ! !

Which image (a’ b’ c’ d’) of abcd cannot he produced using only reflections ?

Melissa is purchasing a $160,000 home and her bank is offering her a 30-year mortgage at a 4.9% interest rate. in order to lower her monthly payment, melissa will make a 20% down payment and will purchase 3 points. what will her monthly mortgage payment be? a. $645.98 b. $650.46 c. $662.93 d. $606.69