Sydney applied the steps below to find the product of (3.1)(–1.6).

Step 1: (3.1)(–1.6) = (–1.6)(3.1)
Step 2: = _______________
Step 3: = (–4.8) + (–0.16)
Step 4: = –4.96

Which expression correctly fills in the blank in Step 2?
(1.6)(3) – (1.6)(0.1)
(–1)(3) + (–0.6)(0.1)
(1)(3) – (0.6)(0.1)
(–1.6)(3) + (–1.6)(0.1)