Looks right to me if that's what your asking, I be happy to help if not.
Answer:
b. theory
Explanation:
Theory -
It is the piece of information , which is given on the basis of various facts , experiments and data , is referred to as a theory.
Publishing a theory require a lot of research and knowledge about the certain topic , so as to provide true and authentic information .
Hence, from the information given in the question,
The correct term is theory.
Households dissave when en their consumption exceeds their incomes. The extra money comes from two sources: credit and past incomes, also known as savings. When a house dissaves it can either borrow money from financial institutions or spend money that was previously saved. Everyone cannot dissave at the same time because banks would not have enough money to fund everybody's excessive consumption.
