Olivia is considering working a secretary job for a small law firm. Given the opportunity costs of working the job, she will not accept a wage less than$12 per hour. Which of the following is likely to raise Olivia's reservation wage?

• Olivia learns that the job is more challenging than she initially thought.
• Olivia learns that employees are paid bonuses at the end of every month.
• Olivia takes on more debt and is struggling to make payments on time.
• Olivia has spent all of her savings and is struggling to pay rent.