During Tax Season, There Are a Number of Tax-Preparation Companies

Multiple Choice

During tax season, there are a number of tax-preparation companies that provide immediate tax rebates, but take a substantial percentage of the total refund as a "service fee." So, if someone were to receive a refund by mail, it might take several weeks (but the amount of money would be larger) whereas if that individual uses the immediate refund service, the amount of money is reduced but is received immediately. Individuals' willingness to pay steep fees to get their refunds immediately is consistent with:

A) the Ainslie-Rachlin model.
B) Skinner's model of  countercontrol .
C) Bandura's reciprocal determinism.
D) the Rescorla-Wagner model.