Answer:
The correct answer is option d. "ion pairing".
Step-by-step explanation:
The van't Hoff factor is defined as the ratio between the actual concentration of particles when are in a dissolved state in comparison to the theoretical concentration calculated from its mass. The observed van't Hoff factor for an electrolyte is less than the expected factor because of the ion pairing effect. Ion pairing is the association of ions because of having opposite charges. When ion pairing takes place in a solution, two ions association would apparently be one, which reduces the observed van't Hoff factor in comparison to the theoretical.