Babara is proud of himself for creating his first financial budget. He is excited to watch his savings grow while he reduces his unnecessary spending. When calculating his income, Babara expects to bring home $180 a week by working 20 hours and making $9 an hour. When he receives his first paycheck, Babara is upset because he only made $145, What is the most likely reason for the difference between his expected income and his actual income? 

a) His manager did not pay him for the agreed-upon $9 an hour and is paying him less than he should be. 

b) His manager did not pay him for all the hours he worked, resulting in fewer hours of pay. 

c) He does not even realize that his paycheck is less than expected because it was automatically deposited into his bank account.

d) He did not consider the taxes and other deductions from his gross pay, resulting in a lower net pay.