Before a person can start any kind of personal financial management, he or she must first have

answer; proximity;

explanation:

allergens: overstimulate the nerve system

neurotics: attack nerve cells

mutagens: damage or otherwise alter dna sequence

generators: cause defects during growth and development  

carcinogens: cause unchecked cell growth

i hope you get the idea according to me these are the effects that happened.

answer; a client who is similar to you;

answer; eurasia;