以下关于合同的解除，说法错误的是( )。

A．合同解除必须具备一定条件

B．合同解除必须有接触行为

C．合同解除适用于所有合同

D．合同解除使合同关系自始消灭或向将来消灭

Research studies show that there are some fundamental (1) between men and women in their attitudes to (2) matters. Women are far more likely to save for their children’s (3) and to save up to buy a (4) . Men tend to save for a (5) , and for their (6) . But in fact the need for women to save for their old age is far (7) than for men. Throughout the world, women are likely to live many years (8) than men. Furthermore it is the (9) women who will most often have to look after the children and thus they need more (10) to look after not just themselves but others. Women today need to look ahead, think ahead, not wait until they’re under (11) .
A number of (12) have been set up to help them do this. Some educational institutions offer night (13) in Money (14) . They can be given (15) on different ways of saving. It is usually advised that at least (16) of a person’s savings should be in low-risk investments but for the rest, (17) advisors often advise taking some (18) risks. Initiatives such as this can give women the economic (19) and knowledge they need for a comfortable, (20) retirement.