Which of the following is the most accurate and comprehensive psychological meaning of the concept of 'Reciprocal Determinism' within Albert Bandura's 'Social Learning Theory' and later revised 'Social Cognitive Theory'?

According to Albert Bandura's social cognitive theory, 'Reciprocal Determinism' clarifies that human development and behavior are not determined by any single factor, but rather by three main components—personal factors (such as thoughts, feelings, biological characteristics), behavior, and environmental influences—which continually influence and modify one another as a triadic reciprocal causation system. This theory emphasizes that humans are not only influenced by their environment but also create and select their environment through their cognitive abilities and behavior. Therefore, option b is the most accurate and scientific explanation of this concept.