Question

what is the difference between the opacity and fill settings?
opacity affects only the effects on an object, while fill affects only the object
opacity affects the object and all its effects, while fill only affects the object
fill affects the object and all its effects, while opacity only affects the object
fill affects only the effects on an object, while opacity affects only the object

Explanation:

Opacity controls the transparency of an object and its effects, making everything more or less see - through. Fill only affects the base object, leaving layer effects like drop shadows or glows at full opacity even if the fill is reduced.

Answer:

Opacity affects the object and all its effects, while Fill only affects the object.