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The fact that financial services are more plentiful and easier to access means that

a. consumers need to be better informed about what services are available and what those services cost.

b. most people have all the information they need when they make financial choices.

c. there is less need to plan for financial choices than there was several decades ago.

d. workers need not be concerned about saving for retirement

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The fact that financial services are more plentiful and easier to access means that

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