Which of the following is NOT a characteristic of tertiary services?
Directly processes natural resources
The tertiary sector is the service sector: it does not produce or transform physical goods but instead provides services that support production and consumption.
Directly processing natural resources is a feature of the primary sector (extraction, such as mining and agriculture) and the secondary sector (manufacturing) — so "Directly processes natural resources" is NOT a characteristic of tertiary services.
The other options are true of tertiary services: they are often concentrated in urban areas, they include activities like tourism, banking and trade, and they involve face-to-face or remote interaction with people.
Hence, the statement that is NOT a characteristic of tertiary services is "Directly processes natural resources".
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