After completing each measurement period, the cloud provider's billing management system calculates the amount owed by a cloud consumer. there are two common available to cloud consumers: pre-payment and post-payment. with pre-paid billing, cloud consumers are provided with it resource usage credits that can be applied to future usage bills. with the post-payment method, cloud consumers are billed and invoiced for each it resource consumption period, which is usually on a monthly basis.

I believe the answer is: Payment options

Payment options refers to the variety of methods that you can choose to pay for the products. Payment options generally divided into pre-payment and post-payment. In post payment, you would be billed everytime you use one product. In pre-payment, you would be billed each month for the accumulation of total products that you use.

cognitive overload: having a lot on your mind impairs decision-making and tends to result in the simplest, but not necessarily best, option being selected.

empathy gaps: overlooking how you might feel in a different situation can result in unnecessary purchases, such as overbuying when shopping for food on an empty stomach.

optimism and overconfidence: wearing rose-tinted glasses and having unrealistic expectations about the future can affect money management and leave you unprepared for a change in circumstance.

instant gratification: seeking instant gratification drives impulsive spending and can undermine long-term planning and savings.

harmful habits: automatic or mindless behaviour can amplify a poor financial decision as it becomes a recurring event.

social norms: we are heavily influenced by the actions of others; while this can be in certain circumstances, it also contributes to the pressure to keep up with the joneses through conspicuous consumption.

an online clothing brand

explanation: