According to One Survey Most South Africans Said They Were

According to one survey most South Africans said they were not saving enough for retirement. This example of inconsistency over time

A) is rational behaviour.
B) likely occurs because saving requires a sacrifice in the present for a reward in the distant future.
C) likely occurs because South Africans don't care about retirement.
D) definitely would not happen if South Africans earned a greater return on their investments.