Emma recently switched jobs. As she completes her onboarding process, she is reviewing her 401(k) paperwork. Her employer has set up a default, that if Emma does not select a percentage to save and an investment, she is automatically enrolled in the 401(k) with a 4% contribution that increases each year until it reaches 10% of her pay. Then, is automatically placed in an appropriate age-based target date mutual fund. This type of practice is an example of a(n)

• A. Nudge
• B. Cognitive dissonance
• C. Unfunded mandate
• D. Frame