The health insurance portability and accountability act (hipaa) requires that:

a. counselors should give clients a clear written explanation of how they use, keep, and disclose their health care information.

b. clients should have access to their records.

c. a written process exists for clients to request amendments to their records.

d. a written history of most disclosures of client information be available to clients.

e. all of the above

Secured loans are protected by collateral security. examples: title loans where the borrower uses the car title as collateral security interest rates are lower and repayments are longer therefore risk is low as a collateral security is given as guarantee to the bank in case of failure to pay the loanunsecured loans are not protected by collateral security but it is given on the creditworthiness of the borrower, trusting that she/he will pay on time. examples; payday loans is a short term loan where the borrower lends money from the bank and pays is back when the borrower receives his/her wages.interest rates are high and repayments are shorter. but the risk is high as no collateral security is given as a guarantee to the bank for payment of the loan

Traditional and civil service organization take to improve its culture

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