I really wish you provided the research study. I would be happy to answer. It should be attached to wherever you found this question. Hope this helps :)
Answer:
Option B. 6%
The rule of 72 says that to find the number of years required to double your money at a given interest rate, you just divide the interest rate into 72.
72/12 = 6
I make moral decisions thinking about if the other person is gonna get hurt or not