All of the following statements concerning a SWOT analysis are correct EXCEPT a. once the strengths, weaknesses, opportunities, and threats are identified, the planner systematically analyzes the SWOT to select the optimum financial strategy b. appropriate consumption and savings behaviors are examples of client strengths c. financial ratios that do not meet recommended levels are examples of client weaknesses d. technological breakthroughs, governmental controls, and emergence of new industries are examples of external environmental opportunities

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