After Stefan receives an unexpected bill,he decides to contact the creditor to work out a payment plan.His response illustrates:

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Stefan's decision to contact the creditor and work out a payment plan is an example of secondary appraisal, which involves evaluating one's options for coping with a stressful situation. He likely engaged in primary appraisal as well to assess the situation for potential threat or harm, but his response of seeking a solution through communication with the creditor is a secondary appraisal process. Emotion-focused coping and approach-avoidance conflict are not directly illustrated in this scenario.

After Stefan Receives an Unexpected Bill,he Decides to Contact the Creditor