Question: When it becomes clear that a client's counseling needs exceed our competence, we must: a. either develop the competence to effectively treat the client or refer him or her to a competent professional. b. blame our supervisor for failing to adequately prepare us to meet the needs of the client. c. save face by coming up with an excuse for referral that has nothing to do with our lack of competence (e.g., suggest a referral is necessary due to a conflict of values). d. berate ourselves for lacking competence and question our ability to competently serve any client.