This is a character vs. character (or as my class called it, man vs. man) conflict between Jill and Naomi. (Though one could argue that Jill is really conflicted with herself for her dishonesty).
D. a subject for a student = 4(9) - 20; = 36 - 20; = 16
Too busy for her own good, Sarah was negligent about drinking enough water.
The other verb phrases would not fit the context of the sentence.