The correct answer is D. All of the above.
An individual’s needs can be defined as the things that are necessary for their survival and well-being. These needs can be divided into two categories: specific and general. Specific needs are those that are unique to each individual, such as the need for food, water, and shelter. General needs are those that are common to all individuals, such as the need for love, belonging, and self-esteem.
Meeting contingencies is also a need of an individual. Contingencies are unexpected events that can happen to anyone, such as a job loss, a natural disaster, or a serious illness. When these events happen, individuals need to be able to meet their basic needs and also cope with the emotional and financial stress that they can cause.
In conclusion, all of the options listed in the question could be termed the need of an individual.