Final answer:
Producers in the circular-flow model most directly provide goods and services to the households in the market.
Step-by-step explanation:
According to the circular-flow model, the item most directly provided by producers, also known as firms, is goods and services. The model illustrates the interactions between households and firms in two primary markets: the goods and services market, and the labor market. In the goods and services market, households are consumers who receive goods and services from firms. Conversely, in the labor market, households provide labor and are compensated by firms through wages, salaries, and benefits. Therefore, the answer to the student's question is goods and services, which correlates with the option 'B: Payment for Goods and Services.'