Which of the following is considered a "human resource"?

The correct choice pertains to "knowledge and skills" as a human resource because it emphasizes the importance of people and their capabilities within an organization or a community. Human resources refer specifically to the individuals who contribute to an entity's function and success, including their competencies, educational background, and experiential knowledge.

In the context of human resources, knowledge and skills reflect the collective abilities of individuals that can be leveraged to achieve specific goals, solve problems, and drive innovation. This aspect is critical because an organization's or community's effectiveness is largely determined by the expertise and talent of its people.

Financial capital, physical infrastructure, and digital technology, while essential elements in operations, do not fall under the category of human resources. They represent assets, tools, or systems that support or enhance human efforts, but they lack the intrinsic human qualities that knowledge and skills encompass. Thus, the focus on knowledge and skills as a human resource highlights the unique value that people bring to any endeavor.