which of the following statements regarding planning for a job loss or job change is not correct? select one. question 2 options: a. in a poor labor market, it will take longer on average to find a replacement job than for a similar job in a vibrant labor market. b. a general rule of thumb is that clients should have an emergency fund equal to 3 to 6 months of nondiscretionary monthly cash flows. c. cash flow planning is of little importance when planning for a job change or job loss. d. health insurance becomes a major issue for the unemployed.