You just installed a new system, but before you create any new users you want to ensure they have a subdirectory bin/ in their home directory. To ensure this directory is automatically created each time you add a new user, in what subdirectory should you create the directory?

Answer: /etc/skel

Explanation/Reference:
From the man pages:
The skeleton directory is defined by the SKEL variable in /etc/default/useradd or, by default, /etc/skel.