Count pairs of substrings (one from s, one from t) that differ in exactly one character.
For each pair of starting positions (i,j), expand counting substrings differing by exactly one char.
- For each (i,j) starting pair: expand with pointer k
- Count chars where s[i+k] != t[j+k]
- When diff == 1: extend as far as possible (count valid extensions)
- When diff > 1: break
- Add counts to result
- Time Complexity: O(n*m*min(n,m))
- Space Complexity: O(1)