Salary Smoothing, Automatic Payroll Deductions, and Early Withdrawal Penalties Are

Salary smoothing, automatic payroll deductions, and early withdrawal penalties are all examples of

A) mechanisms imposed by companies to extract more from their workers and customers.
B) policies that do not fundamentally alter decisions because they do not change the benefits or costs of an action.
C) precommitments.
D) hardwired heuristics.