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The term that indicates a lack of ability is "inability." This word specifically denotes the state or condition of being unable to do something, highlighting the absence of capability or proficiency in a particular area. When discussing abilities, "inability" directly addresses the lack of those attributes, making it a clear and straightforward term for identifying deficiency in skills or qualities.

In contrast, "aptitude" refers to a natural ability to learn or excel in a particular skill, indicating a potential rather than an absence. "Skill" pertains to the developed capacity to perform tasks effectively, suggesting that an individual has the proficiency required. "Competence" implies a level of knowledge and ability that meets a standard, thus demonstrating capability rather than a lack thereof. These distinctions clarify why "inability" is the correct choice for indicating a lack of ability.