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Tremendous challenges from both being able to find jobs and to work through issues in that environment. The data demonstrates things that are not surprising. It demonstrates a persons that are way too much depending on nonbank lending while they had more access to earlier generation through some form of Financial Capability instruction. Their absorption of that is not demonstrated from a testing standpoint. Their exposure as they move through an environment where those that have moved forward, even those that have moved forward are way more burden by Student Loans both in percentage and sign. All of that demonstrates what a point that has been made across the board. We need to move Financial Capability, education and communication away from accidental interactions to an environment where its focused and concentrated and very much looking to evaluate and identify what works. Its a pleasure to be involved in this Advisory Committee particularly with a strong focus on Financial Capability

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