Leaf Inc., headquartered in Austin, TX, was enjoying unparalleled success in its Hamburg, Germany, branch office. At the annual corporate management meeting in Austin, Gunter Klaus, Germany branch manager, modestly cited several reasons for his success. He said, "Our decision to hire Anna Bundt into our Hamburg office turned out to be a wise one. Anna is a native of Vienna, Austria. As a result of her knowledge of business in her home country, she has opened doors to many new clients in Austria. This has resulted in a business volume beyond what we had envisioned." In this instance, Anna is a(n)

cognitive overload: having a lot on your mind impairs decision-making and tends to result in the simplest, but not necessarily best, option being selected.

empathy gaps: overlooking how you might feel in a different situation can result in unnecessary purchases, such as overbuying when shopping for food on an empty stomach.

optimism and overconfidence: wearing rose-tinted glasses and having unrealistic expectations about the future can affect money management and leave you unprepared for a change in circumstance.

instant gratification: seeking instant gratification drives impulsive spending and can undermine long-term planning and savings.

harmful habits: automatic or mindless behaviour can amplify a poor financial decision as it becomes a recurring event.

social norms: we are heavily influenced by the actions of others; while this can be in certain circumstances, it also contributes to the pressure to keep up with the joneses through conspicuous consumption.

the answer is a. $209,000