Final answer:
Under the records requests interpretation, Rose may retain only financial records if Terry has not paid for either service.
Step-by-step explanation:
Under the records requests interpretation, Rose may retain only financial records if Terry has not paid for either service. This means that Rose can keep records related to the money owed, such as invoices, payment receipts, and any other financial documents. However, Rose cannot retain service-related records because those records are not directly tied to the payment and are not necessary for Rose's financial records.