Which of the below sentences summarises the theme of the passage?

• A. Consumers are making investments and monetary decisions based on facts, thorough research of the markets, careful analysis and guidance from seasoned financial experts.
• B. A new study shows how to make concrete plans about depositing money into savings accounts.
• C. A new paper shows how consumers are making bad investments and monetary decisions as they fail to look up the actual facts, do thorough research of the markets, careful analysis and seek guidance from seasoned financial experts.
• D. The paper, 'Behaviorally Informed Policies for Household Financial Decision making,' provides suggestions as to how credit card companies can facilitate better decision making by providing visualization tools to help consumers see the effects of compound interest.
• E. Distrust of institutions and social stigma may deter people from claiming financial benefits to which they are entitled such as welfare, disability and unemployment insurance benefits.