Final answer:
Loretta can automate her utility bill payments with her utility company's online bill payment system that is free and can automatically handle payments on her behalf.
Step-by-step explanation:
Loretta is interested in simplifying her life by setting up an automated system to pay her utility bills. The utility company she is with offers a free bill payment service which can be automated. This means that once she sets it up by providing her payment information and scheduling preferences, the utility company's online bill payment system will automatically handle the payments on the scheduled dates without requiring any further action from her. This service is designed to be convenient, preventing late payments, and giving her the peace of mind that her bills are being paid on time without having to manually manage them each month.