An investor purchases shares of a high risk mutual fund that produces negative capital gains to an investor. The investor could take on the same level of risk by taking out a loan and purchasing a market index mutual fund. The Sharpe measure on this complete portfolio is higher than her existing investment. What behavioral concept prevents the investor from taking out the loan and investing in the index fund?

A.Framing bias

B.Excessive volatility

C.Loss aversion

D.Mental accounting