The correct answer is B). Stressful fall and winter holidays generally cause payment rates to drop.
According to the authors, the personal mood seems to affect honesty in the high-cheating holidays because this period is fraught with miscellaneous anxieties and the high expectations of loved ones. Then, many people prefer to cheat in order to have an advantage.
Freakonomics is a book written by economist Steven D. Levitt and journalist Stephen J. Dubner. The full title is “Freakonomics: A Rogue Economist Explores the Hidden Side of Everything” was published on April 12, 2005.