 Now we are going to talk about the important issues in mental health business. As with the people they serve, the financial situation of therapists can vary greatly. You know that we can't compare every person with one yard stick. Some have more flexibility than others that they can charge probably less than the others and some may probably charge more than the others. It is up to each of us to figure out to make these changes sustainable within our own practice. And genuinely believe me that we can't do this, that every individual can take the same charge for doing the same business. Because everyone have a different kind of expertise, everyone follows a different approach and probably the client who come to those therapists belong to different social classes. So it eventually makes that their charges or their payments are also different. From the outset of the relationship with a new client, the therapist should take care to explain a few of the things. Whenever a new client comes, it is very important to ensure some things. The nature of the service offers that you will provide the nature of the service. The fee charge, it should be openly discussed that what are the charges for that particular mental health professional and the mode of payment used. Pakistan generally has a payment by cash, it is frequently mental health professionals who don't take credit card or debit card payments. But nowadays gradually it has been come into the setup and everyone is being inclusive into the tax network, online payments have also started. This has been started during the pandemic, that online counseling sessions were given and online payments were taken from the mental health professionals or any other financial arrangements that might influence the potential client age decision. It is very important to do all these things first because it determines that the client decides to come as mental health help or doesn't do it. For example, some clients never want to take online counseling sessions. And vice versa, at times there are the clients who only go for online counseling sessions. It is very difficult to face to face interact with them. So they are the variety of the things which goes on. If a prospective client seems unable to reasonably afford one service, the therapist should be prepared to make a sensitive and appropriate referral. If you can't pay your fees, then it is mandatory for you to recommend another good psychotherapist. It is mandatory that the service charges that the client can pay are according to that. For instance, if the person is unable to pay anything, then in the government sector, there are many psychologists working in the psychiatry departments who provide services without charging a single rupee. But probably you have to wait for them, you have to go for designated days, but that does not make a difference. Because this is the part of the process which you have to follow if you are going to take the free service from which is being provided to you by the government. If this situation, it is important for all the mental health professionals to keep informed of hospitals, clinics, community mental health, can eat your free online counseling services, training programs and other sources that might occur and can provide the more affordable services for those with financial difficulties. Like if you are paying your own amount, then you cannot provide the services, so the community health centers where there are free online counseling camps, where the government has provided services, it is very much mandatory for appropriate referrals. It is critical that the therapist consider these issues early in the professional relationship. And this situation that you have to do appropriate referral, can you pay the client fees or not? Is it a paying or affording client or not? Maybe you are paying for the payment of the client, is it a well settled payment? So all these things are better done in the beginning of therapy rather than in somewhere in the middle of the process, talk about these things and raise them openly with the client in a realistic yet supportive fashion. It is not that you will explain it unempathetically yet be very professional, be very fashionable in asking about his financial affordability and after that these decisions should be made early. If the issue is not dealt timely, the resulting anxiety may take precedence over other than the issues which he is bringing to the table and the business aspect of the therapy may be overlooked. A client who has come is already anxious, he is already worried, his anxiety and depressive thoughts are already going on and after that the middle of the therapy realizes that he cannot pay for another 10 sessions and his fee ends and he does not even want to go to anyone else, then his anxiety will increase, he will be all burdened. So by saying this, it is very much advisable that all such kind of things must be dealt in the very beginning of the psychotherapy.