Which Statement Is TRUE

Which statement is TRUE?

A) The precautionary saving model,unlike the intertemporal choice model,assumes that all saving is motivated by a desire to self-insure against risk.
B) The precautionary saving model,unlike the intertemporal choice model,assumes that some saving is motivated by a desire to self-insure against risk.
C) The precautionary saving model,unlike the intertemporal choice model,assumes that saving is motivated by a desire to smooth consumption.
D) The intertemporal choice model,unlike the precautionary saving model,assumes that saving is motivated by a desire to smooth consumption.