Ed has accumulated $$10,000$ in a savings account over the last few years and has earmarked that money as a down payment on a new boat. His air conditioner breaks and requires $$5,000$ in repairs. Ed is reluctant to spend the money in his savings account to make the repairs because he wants to use that money for the boat down payment. Instead, he puts the $$5,000$ repair bill on his credit card at an annual interest rate of $23\%.$ This is an example of which of these behaviors?

A$)$

Herding

B$)$

Loss aversion

C$)$

Confirmation bias

D$)$

Mental accounting