 Record keeping and fee in continuation to that topic, we are going to see that withholding record for non-payment is also important. We tend to see many clients in therapy who constantly keep coming but they don't pay on time. So psychologists may not withhold records under their control that are requested and need it for clients and patients' emergency treatment solely because payment has not been received. In those circumstances, where we fall into a non-payment status of the individual but he still has an emergency and his information is being asked by the hospital, his information is being asked by the family, his information is required by the state, so it is only because he is falling into a non-payment status that his information cannot be withholded. And fee and financial arrangements. Psychologist and recipient of services reach an agreement specifying compensation in billing arrangement as early as it is visible. You know, since the psychologist is also working in its profession and he has to take payment and he has to install all his processes, so it is very important that with the client, besides providing them a compassionate behaviour, take care of their confidentiality, take care of ethics, this is also ethical for psychologists to pay fees on time. If the arrangements for paying the fees are not decided early or at the beginning of the therapy, then the problems can be created. Possible limitation to services due to any reasons is discussed with the client as early as possible. If you feel that the client needs a payment for a therapy, then the client needs to tell his psychologist and if the psychologist cannot entertain the client for any reason and there is no emergency situation, then he needs to tell him beforehand that the next session will be after the payment. Because this is a contractual, this is an agreement between two parties and either it is counseling or therapy, it is very important to address the financial concerns. We are not saying that if someone has not paid the fees and he is in a very vulnerable condition, then he should not be provided any help, but we also believe that if you do not provide unnecessary financial assistance, then these financial arrangements can also play a negative role in therapy. Then psychologist fee practices should be consistent with law. If the law says that with this experience, a psychologist can claim 30,000 fees or he cannot take private practice or individual payment in Amin's sector, then whatever the law is saying in such a situation, it is advisable to take payments. Psychologists do not misrepresent their fee. Like you have written in a brochure in some advertisement, 2000 rupees are charges for per session. But when the client comes, they say these 2000 rupees are without tax. Apart from this, you will have to give some admission on the entry and there are some other hidden charges as well. So you just can't bargain and you just can't claim with clients in this manner. You should have very open and fair communication. And beforehand, you should say that this should be the payment. If the recipient is not paying for services and psychologist intend to use legal measures, they first inform the person that a legal action is being taken against you. Your payment is due, you did not do it. And this will be a very unexpected situation. We consider this to be a very bad scenario that someone had to reach this situation. So this is very important that before this contract, such agreements should be signed in which these issues can later arise later. But before taking legal action, it is very important to tell a client that if you do not pay this unsettled amount, a legal action can be taken against you. Then barter with clients and patients. First, if we read a chapter of history or a subject that talks about early civilizations, we get to know that there was a barter system in which things were exchanged with each other and there was no concept of money. Still, barter is acceptance of good and services and this can also be used in psychological services. If there is no clinical contract introduction and the resulting arrangement is not exploitative, if there is no harm or damage to it, if there is no problem with it, then the barter system is legally allowed. Although it is not in practice, most people financially arrange with each other that they pay per session or monthly. But if they are trying to barter somewhere legally, then this could also be done. Then accuracy in reports to payors and funding sources. Psychologists take reasonable steps to ensure the accurate reporting of the nature of the services provided or research conducted, the fee, charges or payments are applicable to the identity of the provider, the findings and the diagnosis. Then referrals and fees. When psychologists pay, receive payment from others or divide fee with other professionals and they are taking consultation from others. So in that, an employer-employee relationship is separated from another relationship. So the payment should not be based on the referral. As an individual says that if I refer you to a client, then you pay me. In fact, the more professional input someone has given, the more payment we distribute. So this should not be a business like that that I am providing the clients to you so I am taking 50% from you. It is other way around that whatever the professional contribution is being made in a specific case, accordingly, the payment should be decided. So there are certain rules involved in referrals and fees and payment and payors and funding sources which need to be carefully looked into and we cannot leave it open like this. We can either take the charges or keep it in hidden records. But all the financial matters should be very open and it should be maintained as a record. Anyone who needs it can transparently ask about it and be informed about it.