Which factor listed below does NOT help account for the age-earning cycle?

Question

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The age-earning cycle refers to the general pattern of people earning most of their income in their prime working years and earning less before and after that period. Factors that contribute to the age-earning cycle include productivity, which tends to peak in middle age; number of hours worked each week, which tend to increase in early career and decrease toward retirement; and effects of aging, such as declining physical and cognitive abilities. Racial discrimination may also affect earning potential, but it is not a direct factor in the age-earning cycle.

Which Factor Listed Below Does NOT Help Account for the Age-Earning