Concept:Direct services are personal services rendered to a particular consumer, so the consumer pays directly.
Explanation:Direct service involves person-to-person contact between the provider and the user.
Examples include medical treatment, haircuts, and private tutoring.
These services are consumed immediately by one person, not by the whole community.
Therefore, the beneficiary, not the local authority, community, or government, bears the cost.
The individual who receives the service makes the payment for it at the point of delivery.
Answer:D. individual