Final answer:
Xiao feels most alert before noon due to higher cortisol levels in the morning, which is a result of her circadian rhythm.
Step-by-step explanation:
Xiao's experience of feeling most alert before noon and least alert around 3 p.m. is likely related to her circadian rhythm, which regulates the secretion of various hormones, including cortisol. Cortisol is one of the cortical hormones whose levels peak in the morning, helping to promote alertness and wakefulness after the onset of sleep. Therefore, the correct answer is that Xiao's cortisol levels are a) Higher in the morning before noon. As the day progresses, these cortisol levels typically decrease, leading to reduced alertness during the afternoon.