When consumers are engaged in the decisions and products usually feature (a) little to no risk; (b) low (relative) costs, including the costs associated with making bad choices; and (c) little to no information search. the menu of solutions is already known.

The correct answer is routine problem-solving.

Explanation:

These are trivial routine day to day decision such as buying breakfast, purchasing pen and other small values items. These decisions do not have material financial impact if went wrong. Decision like purchasing new car, house and land etc are not included in these decisions.

However person disposal income and wealth can convert these routine problem-solving into planned one.