It is difficult for most of us to talk about mistakes we have made. Unfortunately, for Credit Management Agency organisations like AKPK to help you work through your financial issues, you must be willing to honestly discuss your financial condition. In other words, for these organisations to help you must be actually involved in the process of developing your financial plan, which points to the nature of services.

A. intangibility

B. inseparability

C. heterogeneity

D. perishability