Adam bought a treadmill and a dirt bike from a sports equipment store for y dollars. He signed an installment agreement requiring an 8% down payment and monthly payments of x dollars for 18 months. Which expression correctly represents Adam's finance charge?
A. 0.8y
B. 18y
C. 18x - 0.92y
D. 18x - 0.08y
E. 18y - 0.92x
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