Tertiary: Involved with service and retail; Includes retail sales, transportation, entertainment, restaurants, media, healthcare, banking, etc.; Exploited in developing countries, Philippines is a victim of brain drain: where professionals go abroad to look for jobs making it difficult for companies in the tertiary sector to find the employees they need; Relies on the primary and secondary sector for inputs; Example countries: USA, United Kingdom, Singapore, Hong Kong; Example companies: JP Morgan, Convergys, Lotte