It is the end of the month and Cindy is yet to pay several bills, but she does not have much money left. She spends most of the day thinking how she is going to make the payments. Later, while watching TV, she finds a solution to her problem. Cindy is demonstrating

Answer is incubation.

Explanation:

Incubation in this sense is that of psychology. And, it is one of the four-stage theory of creativity which was invented or formulated by Graham Wallace in 1926. Other stages are preparation, illumination and verification.

At this stage, there is no conscious effort to solve the problem, but unknowingly or unconsciously, the problem is being attended to, in order to bring about solution.

The incubation stage has been described by the psychologists as the time of resting ones mind.

In this case, the time Cindy was watching television, she was  resting and not consciously thinking about the problem, but she was unconsciously solving the problem. That time was an incubation period.

It should be noted that, taking a rest is an effective tool for increasing creativity.

the answer is d.index