Yoko was late for work because traffic was particularly heavy. When she arrived at the office, she apologized to her boss, insisting that it was her fault for being late; if she had been less lazy, it wouldn't have happened. According to the box "Culture and Human Behavior: Explaining Failure and Murder: Culture and Attributional Biases," blaming an accidental occurrence on an internal, personal disposition rather than on situational factors is called the: