The real difference is that FD stands for 'Free Delivery', while SD stands for 'Sneaky Delivery' where they charge you extra but don't tell you until the last minute. Gotta watch out for those hidden fees!
The billing type setting, huh? I don't know, that just doesn't feel right to me. I'm going to go with the delivery block setting - it just makes the most sense.
I think the delivery block setting is the key difference between FD and SD. The billing type setting sounds like a good guess, but I'm pretty sure it's the delivery block.
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