Subject: File No. 4-626
From: Carol Winkler

May 2, 2011

There are many good educational resources readily available. The primary issue, as I see it, is engaging people to want to learn and convincing them that it is important to find the time in today's fast-paced society. It is also equally important to convince people that even though funds are extremely limited in today's economy, the need for them to save for their future is even more dire. If these two items are taken seriously, then employees will find a way to make it happen. I believe general financial education must start in middle school and continue through high school.