The endoplasmic reticulum is composed of sac-like structures called cisternae that are folded and bound together by a cytoskeleton. There are two types of endoplasmic reticulum: smooth endoplasmic reticulum and rough endoplasmic reticulum.
Remedial Financial Counseling is used when clients experience a state of financial, emotional and or/ personal discomfort. This form of counseling helps clients understand their present financial state and learn ways to resolve their situation.
Debt counseling, like other forms of counseling, utilizes individual attention by a trained professional to help people improve their lives and solve various problems. With debt counseling, the advice and guidance offered to the client is limited to money management issues like spending, saving, budgeting, etc.