Gretchen is considered at an increased risk for developing breast cancer due to a family history of the disease. She has scheduled a mammogram and will have to pay the costs completely out of pocket because her insurance does not cover the cost. This expense will be a hardship for Gretchen, but she feels the benefits of having the mammogram outweigh the cost. If Gretchens behavior is considered from the standpoint of the health belief model, which criteria for action does it best fit?