Which of these retail innovations was first introduced by department store pioneer A.T. Stewart in his 'Marble Palace' in New York during the 1840s?

In the history of retail, department stores represented a revolutionary concept that transformed how people shopped. These 'cathedrals of commerce' introduced many innovations we take for granted today. This poll tests your knowledge about one of the earliest retail innovations that changed shopping forever and set standards for modern retail experiences. Can you identify which pioneering retail practice was truly revolutionary for its time?

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The 'one price' policy (clearly marked fixed prices with no haggling)
The money-back guarantee (returns accepted with no questions asked)
The escalator (mechanical stairs for moving between floors)
Store credit cards (allowing customers to buy now and pay later)