QUESTION 14 After making the initial appointment, Emily returns the completed intake paperwork that was mailed to her and Clarke. Emily reports that she made the appointment because she is concerned about their current debt load. Clark says little, but indicates that he really does not think that there is a problem with their finances. Emily is in the stage and Clarke is in the stage. O Precontemplation; Action O Preparation; Contemplation O Preparation; Precontemplation O Contemplation; Precontemplation QUESTION 15 involves knowledge about finances and the application of that knowledge (skills) to make informed financial decisions. O Financial therapy Financial education O Financial literacy O Financial coaching QUESTION 14 After making the initial appointment, Emily returns the completed intake paperwork that was mailed to her and Clarke. Emily reports that she made the appointment because she is concerned about their current debt load. Clark says little, but indicates that he really does not think that there is a problem with their finances. Emily is in the stage and Clarke is in the stage. O Precontemplation; Action O Preparation; Contemplation O Preparation; Precontemplation O Contemplation; Precontemplation QUESTION 15 involves knowledge about finances and the application of that knowledge (skills) to make informed financial decisions. O Financial therapy Financial education O Financial literacy O Financial coaching