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Explain the term minorities ? why do they lag behind the majority community both educationally and economically ? how can they get their rightful place in society

Tracey is a financial planner who received his cfp designation. tracey does not have any other designations or licenses. although tracey's expertise is investment planning, he is anxious to expand his client base and is willing to assist clients with any area of financial planning. over the last month tracey engaged in the following activities with troy, a new client.a. during the initial meeting, tracey collected personal data about troy including the estate planning documents troy had previously executed.b. during the second meeting, tracey recommended the use of a trust to fulfill some of troy's estate planning goals.c. troy called tracey one afternoon and asked if tracey could explain the probate process to him, which tracey promptly did.d. tracey downloaded a copy of a generic will from the internet, filled in troy's information and gave the document to troy to be executed.of the activities above, which would be considered the unauthorized practice of law?

Ageneral requirement for informed consent is that no informed consent may include any exculpatory language. exculpatory language is that which waives or appears to waive any of the subject’s legal rights or releases or appears to release those conducting the research from liability for negligence. which of the following statements in a consent form is an example of exculpatory language? taking part in the research is voluntary, but if you choose to take part, you waive the right to legal redress for any research-related injuries.your participation in this research is voluntary. if you choose not to participate, or change your mind later, your decision will not affect your relationship with the researcher or your right to other services that you may be eligible for.in the event of any distress you may have related to this research, you will be given access to appropriate resources.the researcher may stop you from taking part in this research without your consent if you experience side effects that make your emotional condition worse. if you become too emotionally distressed during the research, you may have to drop out.