While researching a topic, a student has taken the following notes:
- Sweden's central bank is the Riksbank.
- In Riksbank surveys, the percentage of respondents who paid cash for their most recent purchase fell from 39 percent in 2010 to 9 percent in 2020.
- Cash and reserve balances held at the Riksbank are forms of central-bank money.
- Consumers generally make electronic payments using deposits issued by commercial banks and cannot hold Riksbank reserves themselves.
- Commercial banks settle obligations resulting from electronic payments by transferring Riksbank reserves.
- The Riksbank has explored issuing an e-krona that the public could hold digitally.
The student wants to evaluate the claim that declining cash use is making central-bank money unimportant in Sweden, while clearly distinguishing consumers' payment methods from the payment system's settlement process. Which choice most effectively uses relevant information from the notes to accomplish this goal?