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And there's a lot about cultural and emotional influences on financial decision-making in the right hand corner of the slide, can you describe some. We ensure the funds come from different range of backgrounds including social work and other very nonfinancial kinds of backgrounds and these are factored.

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Financial activities such as a credit limit of $1,000 on their credit report, that it will make. As we know, preventing is much better and there weren't any resources to teach high school audiences.