9. a. Chapter 17 Our Outition Which of the following statements regarding planning for a job loss or job change is NOT correct? In a poor labor market, it will take longer on average to find a replacement job than for a similar job in a vibrant labor market. b. A general rule of thumb is that clients should have an emergency fond equal to 3 to 6 months of nondiscretionary monthly cash flows. Cash flow planning is of little importance when planning for a job change or job loss. d. Health insurance becomes a major issue for the unemployed. C. 10. Which of the following is not a special planning needs situation