d. While configuration files related to user applications are conventionally placed under the user’s home directory, configuration files relating to system-wide services are place in the /etc directory, by convention. Web services, print services, ftp services, email services are examples of services that affect the entire system and of which configuration files are stored under /etc. Notice that regular users do not have writing access to /etc. This is important as it restricts the ability to change the system-wide service configuration to the root user only.