Which of the Following Are the Shifting Characteristics and Needs

Which of the following are the shifting characteristics and needs of today's financial-service customers?

A) Aging population
B) Larger corporate customers going directly to the open market to raise funds
C) Growing demands for retirement planning and long-term saving by millions of workers and their families not covered adequately by existing retirement plans
D) Increasing numbers of nontraditional families who have credit-access problems and a need for lower-cost financial services
E) All of the above