KEN MCDONNELL HAS THE GREAT PLEASURE AND HONOR OF WORKING WITH LIBRARIES AROUND THE COUNTRY THE AREA MAKING SURE YOU KNOW ABOUT THE EXCELLENT RESOURCES FROM THE TEAM AND I'M EXCITED TO WELCOME THEA HART WHO COMES FROM THE SPRINGFIELD PUBLIC LIBRARY IN OREGON AND ALSO MEG SPENCER FROM THE SIUSLAW PUBLIC LIBRARY DISTRICT ON THE COAST OF OREGON.
I'M SO GLAD THAT ALL THREE OF YOU ARE HERE AND WE'RE REALLY EXCITED TO LEARN FROM ALL OF YOU.
SO WELCOME AND I'M GOING TO HAVE KEN GET US STARTED.
WELCOME, KEN. 
>> THANK YOU, JENNIFER.
THANK YOU ALL FOR ATTENDING. 
WHERE ARE OUR SLIDES? 
>> SORRY.
HERE.
LET ME MOVE YOU OVER.
SORRY ABOUT THAT.
>> NO WORRIES. 
THANK YOU VERY MUCH FOR ATTENDING.
WE'RE VERY PLEASE THE ALL OF YOU CAN DO.
WE HAVE 110 AND 111 SO FAR ATTENDING.
I'D LIKE TO SEND A SPECIAL THANK YOU TO THEA HART AND MEG SPENCER FOR GIVING US THE LIBRARIAN'S PERSPECTIVE. 
I'D LIKE TO START WITH OUR STANDARD DISCLAIMER.
MY LAWYERS TELL ME WE HAVE TO HAVE THIS UP HERE. 
IN ANY OPINIONS AND VIEWS STATED BY ME ARE MY OWN AND ARE NOT NECESSARILY THE VIEWS OF THE BUREAU. 
SO WE HAVE HERE MY CONTACT INFORMATION AND I'D LIKE TO PAUSE FOR A MOMENT. 
IF YOU HAVE QUESTIONS, PLEASE FREE TO REACH OUT TO ME DIRECTLY. 
AS JENNIFER IDENTIFIED, I DO THINK IT IS A GREAT HONOR TO WORK WITH LIBRARIANS AND I'VE BEEN WORKING ON THIS PROJECT NOW FOR THREE YEARS AND WHAT AN AMAZING GROUP OF PEOPLE TO WORK WITH.
SO HELPFUL.
SO DEDICATED AND SO REALLY WILLING TO HELP OUT THE PATRONS AND THEIR COMMUNITIES.
SO AGAIN, BIG THANK YOU FOR ALL OF YOU. 
SO WE'RE GOING TO TALK ABOUT OUR COMMUNITY FINANCIAL EDUCATION PROGRAM.
AND THE GOAL OF THIS IS TO HELP LIBRARIES BECOME THE GO TO RESOURCE FOR FINANCIAL EDUCATION IN EVERY COMMUNITY.
AND WE KNOW MANY PATRONS ARE COMING TO YOU NOW WITH LOTS OF THESE QUESTIONS. 
SO WHY IS FINANCIAL EDUCATION IMPORTANT?
THIS GRAPH HERE SHOWS YOU THAT FROM THE INVESTOR EDUCATION AND IT IS THE FINANCIAL INDUSTRY REGULATORY AUTHORITY.
THE SELF-REGULATING BODY OF THE FINANCIAL SERVICES INDUSTRY AND THEY DO THIS SURVEY EVERY THREE YEARS ON FINANCIAL CAPABILITY AND THEY ASK FIVE STANDARD QUESTIONS ON TO MEASURE INDIVIDUALS' FINANCIAL CAPABILITY.
AND AS YOU SEE OR THIS CHART SHOWS YOU, THE PERCENTAGE OF INDIVIDUALS WHO ANSWER FOUR OR MORE OF THE QUESTIONS CORRECTLY HAVE BEEN STEADILY DECLINING SINCE 2009 WHEN THEY FIRST DID THE SURVEY AT 42% DOWN TO 30% IN 2015.
THE MOST RECENT YEAR FOR THE SURVEY. 
SO THIS CHART IN AND OF ITSELF IS REALLY EXCELLENT REASON FOR THE NEED FOR FINANCIAL EDUCATION IN OUR COMMUNITIES. 
SO ON THIS SLIDE, I'LL PAUSE HERE FOR A MOMENT AND PARTICULARLY THE STATE LEVEL DATA. 
FINRA MAKES THE DATA SET AVAILABLE AND THEY ALSO PROVIDE STATE LEVEL DATA AND THEY PROVIDE IT FOR EVERY STATE FROM WYOMING WHICH IS THE SMALLEST POPULATION STATE ON UP TO CALIFORNIA WHICH IS THE LARGEST POPULATION STATE. 
AND SO I KNOW MANY OF YOU WILL PROBABLY HAVE TO IF YOU WANT TO DO A PROGRAM ON FINANCIAL EDUCATION, YOU MAY NEED TO GIVE SOME REASONING AS TO WHY YOU WANT TO DO THIS IN YOUR LIBRARY.
YOU'LL BE ABLE TO FIND SOME STATE SPECIFIC DATA PARTICULAR TO YOUR STATE ON THIS SITE SO WE ENCOURAGE YOU TO USE IT. 
THEN THE TOP LINK UP THERE WHERE IT SAYS FINRA INVESTOR EDUCATION FOUNDATION, THAT LINK WILL TAKE YOU TO THEIR SITE FOR THE FINANCIAL CAPABILITIES SURVEY AND THIS MAY BE SOMETHING THAT YOU'D WANT TO REFER PATRONS ON TO THAT MAY BE DOING SOME RESEARCH PARTICULARLY ANY THAT ARE DOING ACADEMIC OR SCHOOL RESEARCH.
FINRA MAKES THE DATA SET AVAILABLE FREE OF CHARGE AND THEY DO ENCOURAGE EVERYONE TO TAKE ADVANTAGE OF THE FREE DATA SET AND THERE ARE THREE YEARS OF DATA.
2009, 2012 AND 2015. 
SO THE OFFICE OF FINANCIAL EDUCATION WHERE I WORK AT THE CONSUMER FINANCIAL PROTECTION BUREAU BACK IN 2011 AND 2012, WE OPENED UP OUR OFFICES IN JULY OF 2011 AND WHAT WE DID IS WE WENT OUT ACROSS THE COUNTRY AND CONDUCTED A SERIES OF LISTENING SESSIONS AND WE SPOKE WITH FINANCIAL EDUCATORS, SERVICE PROVIDERS, STATE AND LOCAL GOVERNMENT REPRESENTATIVES AND NONPROFIT ORGANIZATIONS.
WE WANTED TO HEAR FROM THEM WHAT THEY'RE HEARING FROM CONSUMERS.
THOSE PEOPLE WHO ARE WORKING DIRECTLY WITH VIEWERS. 
A COUPLE OF THE BIG LEARNINGS IS CONSUMERS MAY NOT KNOW WHERE TO TURN FOR UNBIASSED HELP WHEN FACING A FINANCIAL PROBLEM.
WHEN THIS HAPPENS, THEY DON'T KNOW WHERE TO TURN AND THEY TEND TO PUT OFF SMALL THINGS AND AS WE ALL KNOW, WHEN YOU PUT OFF A SMALL THING, IT GROWS INTO A REALLY BIG PROBLEM.
SO OUR CHALLENGE WAS, IN ORDER TO REACH LESS THAN A THIRD OF AMERICANS REPORTED HAVING BEEN OFFERED FINANCIAL EDUCATION, OUR CHALLENGE WAS TO FIND A HIGH IMPACT COMMUNITY FOCUSED FINANCIAL EDUCATION EFFORT AND WHAT WE NEEDED HERE OUT OF THIS IS WE WANTED A RESOURCE AVAILABLE IN EVERY COMMUNITY THAT ANY CONSUMER IN THAT COMMUNITY CAN GET FREE ACCESS TO THE INTERNET BECAUSE SO MUCH OF THE TOOLS AND RESOURCES ARE AVAILABLE ON LINE, WE WANTED TO FIND A PLACE THAT HAS UNBIASSED INFORMATION AND WE WANT CONSUMERS TO BE ABLE TO GO TO A SITE WHERE WE DON'T HAVE TO WORRY ABOUT THEM BEING MARKETED ANY PRODUCTS OR SERVICES. 
WE WANT A PLACE THAT HAD HELPFUL AND KNOWLEDGEABLE STAFF, INDIVIDUALS THAT KNOW HOW TO FIND THINGS AND ALSO, WE WANTED AN ORGANIZATION THAT HAD A HIGH DEGREE OF TRUST. 
AND LIBRARIES BECAME THE OBVIOUS ANSWER.
ONE OF THE THINGS THAT WE LEARNED IS LIBRARIES ARE IN VIRTUALLY EVERY COMMUNITY ACROSS THE UNITED STATES. 
WE GOT HERE, THIS DATA COMES FROM IMLS AND WE KNOW THERE ARE 170.6 MILLION REGISTERED BORROWERS ACROSS ALL PUBLIC LIBRARIES IN THE UNITED STATES.
AND 1.5 BILLION IN-PERSON VISITS EQUIVALENT TO FOUR MILLION VISITS EACH DAY.
SO THESE ARE TELLING US, PEOPLE ARE COMING TO YOU AND THEY ARE ASKING QUESTIONS. 
WE HAVE FOUND PROGRAM ATTENDANCE HAS BEEN INCREASING.
FROM FISCAL YEAR 2006 TO FISCAL YEAR 2013 THERE WAS AN INCREASE OF 28.6% IN THE ATTENDANCE AT PROGRAMS AT LIBRARIES.
WITH A 96.5 MILLION ATTENDEES IN FISCAL YEAR 2013 ALONE. 
ANOTHER KEY COMPONENT FOR US HERE AT GOVERNMENT AGENCIES, YOU ARE AN IMPORTANT RESOURCE FOR PARENTS AND LOW TO MODERATE INCOME HOUSEHOLDS.
LOW TO MODERATE INCOME HOUSEHOLDS TEND TO BE THOSE THAT ARE MOST STRUGGLING AND MOST VULNERABLE TO FINANCIAL FRAUD SO WE KNOW THAT THEY ARE COMING TO AND WE KNOW THERE'S A GREAT SOURCE TO REACH THEM. 
WE HAVE ALSO LEARNED FROM IMLS THAT IN ANY GIVEN YEAR, 25% OF ALL PUBLIC ACCESS USERS LOGGED ON AT THEIR PUBLIC LIBRARY FOR COMMERCIAL NEEDS OR TO MANAGE THEIR PERSONAL FINANCES SO THIS DATA HERE REALLY TELLS US AND SHOWS US THAT YOU ALL IN LIBRARIES ARE THE PLACES TO GO TO REACH CONSUMERS.
SO WHEN WE LAUNCHED THIS PROGRAM IN THE SUMMER OF 2013, WE HAD SOME SPECIFIC PROJECT GOALS.
ONE WE WANTED TO BUILD A COMMUNITY INFRASTRUCTURE IN COORDINATION WITH THE LIBRARIES AND NATIONAL PARTNERS TO REACH CONSUMERS IN THEIR NEIGHBORHOODS.
AT THIS POINT, I WANT TO STRESS WE'RE DOING THIS IN COLLABORATION WITH THE LIBRARIES.
WE HEARD FROM LIBRARIANS, DON'T COME IN AND TELL US WHAT TO DO.
WE KNOW WHAT TO DO.
WE JUST NEED SOME HELP IN ACCESSING THE RESOURCES SO THAT IS WHY WE'RE WORKING COLLABORATIVELY WITH ALL OF YOU.
WE WISH TO TAKE ADVANTAGE OF EXISTING PROGRAMS AND RESOURCES ALREADY IN THE FIELD AND WE HAVE A GOOD BRAIN TRUST HERE AS WELL AS OTHER FEDERAL AGENCIES THAT CAN HELP GUIDE YOU TO SOME OF THE KEY RESOURCES THAT ARE AVAILABLE OUT THERE.
AND MANY OF THEM ARE IN YOUR OWN COMMUNITY. 
WE WISH TO EXPAND EXISTING FINANCIAL EDUCATION EFFORTS THAT ARE ALREADY OCCURRING IN COMMUNITIES.
MANY OF YOU MAY BE FAMILIAR WITH MONEY SMART WEEK.
VERY POPULAR PROGRAM STARTED BY THE CHICAGO BRANCH OF THE FEDERAL RESERVE. 
AND THIS IS A GREAT EFFORT THAT GOES ON ACROSS THE COUNTRY.
MOST OFTEN IN APRIL BUT WE HAVE FOUND SOME COMMUNITIES THAT DO IT IN DIFFERENT TIMES OF THE YEAR. 
SO WE KNOW THAT THESE EFFORTS ARE GOING ON ACROSS THE COUNTRY.
ANOTHER ONE SPONSORED BY THE NATIONAL CONFERENCE OF MAYORS AS WELL AS THE FOUNDATION FOR FINANCIAL PLANNING.
THE FINANCIAL PLANNING ASSOCIATION AND THE C.F.P. 
BOARD, THE REGULATORY AGENCY OF FINANCIAL PLANNERS, THEY CONDUCT THIS THING CALLED FINANCIAL PLANNING DAYS THAT OCCURS IN OCTOBER.
AND CURRENTLY EXISTS IN ABOUT 27 COMMUNITIES ACROSS THE COUNTRY. 
SO THERE'S A LOT OF EFFORTS GOING ON ACROSS THE COUNTRY.
THOSE ARE JUST A COUPLE THAT ARE THE BIGGEST THAT WE KNOW OF. 
AND WE ALSO WISH TO ENCOURAGE AND AMPLIFY THE SHARING OF BEST PRACTICES SO AS OFTEN AS WE CAN, WE LIKE TO LET OTHER LIBRARIANS KNOW OF WHAT PROGRAMS LIBRARIANS ACROSS THE COUNTRY ARE WORKING ON.
SO YOU HAVE MY E-MAIL.
YOU CAN ASK ME QUESTIONS AND I CAN TRY TO HELP CONNECT YOU TO OTHER LIBRARIES ACROSS THE COUNTRY THAT ARE WORKING ON SIMILAR PROGRAMS TO WHAT YOU'RE TRYING. 
SO WHEN WE STARTED THIS INITIATIVE HERE IN THE SUMMER OF 2013, WE HAD NINE LIBRARIES THAT WE WORKED WITH.
AND THEY WERE LARGE SYSTEMS FROM BROOKLYN, NEW YORK, AND SAN FRANCISCO, CALIFORNIA.
ALL THE WAY DOWN TO SMALL COMMUNITIES LIKE PELHAM, ALABAMA, AND GEORGETOWN COUNTY, SOUTH CAROLINA. 
THIS GROUP OF NINE LIBRARIES THAT WE WORKED WITH WERE A GROUP THAT KIND OF GAVE US GUIDANCE AND DIRECTIONS SO WE WANTED TO MAKE SURE THOSE PROGRAMS ARE FOCUSED ON LIBRARIES, WHAT THE NEEDS OF LIBRARIANS ARE AND SO ANY MODIFICATIONS THAT WE WOULD MAKE TO THIS PROGRAM WE WOULD RUN PAST THESE NINE INDIVIDUALS. 
WE WORKED WITH THEM FOR A COUPLE OF YEARS AND WE DIDN'T WANT TO TAX ALL THEIR TIME SO WE'RE WORKING WITH NINE NEW LIBRARIES ACROSS THE COUNTRY AND WE HAVE SOME FROM MCGALLAN, TEXAS TO GIVE US GUIDANCE ON SPANISH LANGUAGE SPEAKERS TO THE OREGON STATE LIBRARY THAT GIVES US A GREAT STATE PERSPECTIVE AND WE HAVE SUBURBAN COUNTIES IN ARLINGTON COUNTY, VIRGINIA, IN CLAYTON COUNTY, GEORGIA, AS WELL AS WE GOT SOME GOOD MID SIZED COMMUNITIES SUCH AS KANSAS CITY, MISSOURI, AND DETROIT, MICHIGAN. 
WE ALSO HAVE AN ACADEMIC LIBRARY IN BOISE STATE, IDAHO SO WE DID A CONSIDERED EFFORT TO REACH ACROSS THE COUNTRY.
OH, ALSO ONE OTHER ONE WE'RE WORK WITH THIS TIME IS LOS ANGELES CITY.
WANT TO MAKE SURE WE HAVE A GEOGRAPHIC DISTRIBUTION AND A GOOD REPRESENTATION OF LIBRARYS AND THEY'VE BEEN INCREDIBLY HELPFUL TO US. 
SO IN THIS MAP, YOU'LL SEE THAT AS OF YEAR END 2016, EACH CIRCLE ON THIS MAP SHOWS LOCATION WHERE WE HAVE LIBRARIES THAT ARE PART OF OUR DATA BASE.
SOME OF THESE WE HAVE MET IN PERSON LIKE THEA AND MEG WE MET WHEN WE WENT TO EUGENE, OREGON TO CONDUCT A LIBRARY TRAINING AND MANY OTHERS HAVE HEARD ABOUT US THROUGH WORD OF MOUTH AND REACHED OUT TO US ON E-MAIL TO SIGN UP TO BE PART OF THE PROGRAM.
SO THIS PROGRAM HAS TAKEN OFF TREMENDOUSLY.
WHEN WE STARTED, WE WERE IN NINE COMMUNITIES ACROSS THE COUNTRY.
WE'RE NOW IN ALMOST 1,000 COMMUNITIES ACROSS THE COUNTRY AND GROWING QUITE RAPIDLY.
SO AGAIN WHEN WE STARTED THIS, WE WANTED TO PARTNER WITH LIBRARIES AND STRESS PARTNER WITH THEM.
WE DID THIS CRAZY THING WHERE WE WENT OUT AND TALKED TO LIBRARIANS TO ASK WHAT IS IT THEY'D LIKE TO HAVE FROM US?
WHAT WE LEARNED FROM THE LIBRARIES IS THE LIBRARIANS SAID THEY WANT CLEAR FINANCIAL INFORMATION AND RESOURCES.
SOMETHING THAT'S EASY FOR THE CONSUMER TO UNDERSTAND AND PATRON TO UNDERSTAND.
SOMETHING THAT'S EASY FOR THE LIBRARIAN TO LOCATE AND ANSWER ANY QUESTIONS THAT THE PATRON MAY HAVE AS FAR AS GUIDING THEM TO THE RESOURCES.
THEY WANTED SOME OUTREACH MATERIALS.
SO WE CREATED A LOT OF MARKETING MATERIALS THAT YOU CAN DOWNLOAD FOR FREE AND ORDER FOR FREE FROM THAT MAGICAL PLACE IN COLORADO THAT WE'VE KNOWN ALL OF OUR LIVES.
WE'VE DEVELOPED A COMMUNITY PARTNERSHIP RESOURCE BOOK.
I BELIEVE IT'S IN ONE OF THE LEARNINGS THAT JENNIFER HAD CREATED ON THE COMMUNITY PARTNERSHIP RESOURCE BOOK. 
WE WANTED TO SHARE ENGAGING PROGRAM IDEAS SO ONE OF THE THINGS THAT WE DO IS DO A MONTHLY E-MAIL AND IN THAT, AS WE DO NEW PROGRAM IDEAS, WE'LL PUT THAT IN A MONTHLY E-MAIL TO ALERT ALL THE LIBRARIANS OF THE NEW TRAINING THAT'S BEING OFFERED.
WE DO PROVIDE TRAINING.
WE DO THIS IN STATE AND NATIONAL CONFERENCES.
WE'VE BEEN TO SEVERAL STATE CONFERENCES SUCH AS IDAHO, INDIANA, NORTH CAROLINA AND TEXAS.
AND WE'LL BE IN ALASKA AND PLANNING TO GO TO MORE. 
WE ALSO DO COME INTO METROPOLITAN AREAS AND CONDUCT A DAY TRAINING.
WE DID THIS AT EUGENE, OREGON, ON DECEMBER 7TH.
WE'VE DONE IT -- WE'LL BE DOING IT IN KANSAS CITY ON MARCH THE 28TH.
CHARLOTTE, NORTH CAROLINA ON APRIL 4TH.
WILMINGTON, NORTH CAROLINA ON APRIL 6TH AND DENVER, COLORADO, ON APRIL 14TH. 
WE'VE ALSO DONE THIS IN ATLANTA, GEORGIA, PHOENIX, ARIZONA, L.A., SAN FRANCISCO, SAN DIEGO, PORTLAND, OREGON, WILMINGTON, DELAWARE, MANY COMMUNITIES ACROSS THE COUNTRY.
WE'VE LEARNED A LOT FROM THESE PROGRAMS AND WHEN THESE TRAINING PROGRAMS, WE BRING IN LOCAL ORGANIZATIONS SO TO HELP CONNECT LIBRARIES TO RESOURCES AND ORGANIZATIONS IN YOUR COMMUNITY. 
IN ADDITION TO THAT, WE ALSO PROVIDE TRAINING IN THE FORM OF WEBINARS.
SO YOU'LL BE ABLE TO -- I'LL POINT THAT OUT ON THE WEB PAGE HOW YOU CAN ACCESS THOSE THINGS.
THE OTHER THING LIBRARIANS TOLD US IS THEY WANTED SOMETHING THAT'S FLEXIBLE AND CUSTOMIZBLE AND SO ALL OF THE RESOURCES WE HAVE AND THE PROGRAM IDEAS GIVES YOU A GENERAL OVERVIEW, LINKS TO THE RESOURCES, BUT WE VIEW THEM AS USE HOWEVER YOU SEE FIT.
WHATEVER WORKS FOR YOUR COMMUNITY, OUR GOAL IS TO MAKE YOU AWARE OF ALL THESE TOOLS AND RESOURCES. 
SO HERE, WE PROVIDE YOU WITH SOME OF THESE THINGS AND ANSWERED YOUR QUESTIONS, WEBINARS AND IN PERSON TRAININGS THAT I DISCUSSED.
WE HAVE AN INVENTORY OF RESOURCES FOR REFERENCES AND PROGRAM DEVELOPMENT AND I'LL SHOW YOU A COUPLE OF SCREEN SHOTS FROM OUR WEB PAGE ON THIS.
PROGRAM IDEAS.
THAT WE HAVE.
WE'VE CREATED THE PROMOTIONAL MATERIALS AND AS WE'VE ALSO DONE CONNECTIONS TO LOCAL ORGANIZATIONS, DO THIS A LOT IN THE IN PERSON TRAININGS BUT ALSO WE DO GET REQUESTS FROM LIBRARIANS THAT WE'LL SEND IN E-MAILS FOR US THAT ARE ASKING FOR HOW CAN I BE CONNECTED TO AN INDIVIDUAL OR AN ORGANIZATION IN MY COMMUNITY THAT COULD COME TO MY LIBRARY AND CONDUCT A WORKSHOP ON, SAY, SETTING A BUDGET, PLANNING FOR RETIREMENT OR HOW TO AVOID FINANCIAL FRAUD.
AND WE WILL HELP CONNECT THEM TO THOSE ORGANIZATIONS.
AND THEN THE COMMUNITY PARTNERSHIP GUIDEBOOK IS A GREAT RESOURCE, HELPS YOU FRAME YOUR THINKING, ALSO HAS IDEAS ON LOCAL ORGANIZATIONS. 
YOU'LL SEE THERE ON OUR WEB PAGE WHICH IS CONSUMER FINANCE.GOV/LIBRARY-RESOURCES. 
YOU'LL BE ABLE TO ACCESS ALL OF OUR STUFF FOR FREE AND AGAIN, YOU CAN ORDER BULK ITEMS UP TO 1,000 COPIES, I BELIEVE, FOR MANY OF THE RESOURCES THAT WE HAVE ON THERE.
AND WE ALSO PROMOTE NOT JUST THE RESOURCES OF THE CFPB BUT THE RESOURCES OF MANY OTHER STATE, LOCAL, FEDERAL AGENCIES AS WELL AS NONPROFIT ORGANIZATIONS. 
SO HERE'S A SCREEN SHOT OF WHAT OUR WEB PAGE LOOKS LIKE.
AND YOU'LL SEE RIGHT THERE, THAT WE'LL BE ON THE HOME PAGE OF THOSE WEB PAGES, YOU'LL SEE MONTHLY TRAINING WEBINARS.
CLICK ON THE LINK FOR THAT AND WE'LL TAKE YOU TO ALL THE WEBINARS THAT WE HAVE CONDUCTED FOR LIBRARIANS LOOKING AT A SPECIFIC TOPIC AND YOU'LL BE ABLE TO ACCESS THESE THINGS AT ANY POINT IN TIME.
WE HAVE FOUND THE DAY OF THE WEBINAR, WE USUALLY GET ATTENDANCE OF MAYBE LIKE 30, 20, 30 LIBRARIANS.
AS THE WEBINAR STAYS ON THE SITE, THE HITS TO IT JUST KEEP GROWING.
WE'VE HAD SOME THAT WE'VE HAD OVER 500 VIEWS FOR THE WEBINARS.
SO WE DO KNOW THAT MANY LIBRARIANS ARE COMING BACK AND VIEWING THESE TOOLS. 
HERE'S OUR INVENTORY OF RESOURCES.
WHAT THAT PAGE LOOKS LIKE, THE CATALOGS OF WEBSITES, VIDEOS AND COURSES THAT YOU CAN ACCESS, THESE ARE SOME REALLY GREAT TOOLS.
ONE OF THE THINGS THAT I WANT TO STRESS ON HERE, EVERYTHING THAT WE HAVE HERE IS FREE AND EDUCATIONAL AND UNBIASSED, NOTHING ON HERE WILL EVER BE MARKETING SOMETHING TO YOUR PATRONS.
ONE OF THE THINGS WE HEARD LOUD AND CLEAR FROM THE LIBRARIANS, I DON'T WANT MY LIBRARY TURNED INTO A MARKETING PLATFORM FOR FINANCIAL SERVICES COMPANY. 
WE'RE VERY CAREFUL AND VETTED ALL OF THESE RESOURCES, YOU'LL FIND A TREMENDOUS TREASURE TROVE ON A WIDE ARRANGE OF TOPICS.
SO HERE WE HAVE ON OUR PROGRAM IDEAS.
SO WE TRY TO KEEP ADDING NEW PROGRAM IDEAS.
WHEN WE WERE IN PORTLAND, OREGON, WE DID A SESSION WITH THE LIBRARIANS THERE IN THE DAY TRAINING AND ASKED THEM TO BRAIN STORM WITH US.
WHAT ARE SOME TOPICS YOU'D LIKE TO HAVE AND PROGRAM IDEAS?
AND BOY, DID THOSE LIBRARIANS SHARE.
I WALKED AWAY WITH THREE PAGES OF PROGRAM IDEAS SO BE IN THE PROCESS OF ADDING NEW PROGRAM IDEAS.
WE'VE ALREADY ADDED A COUPLE SINCE THE PORTLAND, OREGON, EVENT IN DECEMBER OF 2015 AND WE'LL BE CONTINUING DOING THAT. 
SO HERE'S SOME OF THE TOPIC IDEAS THAT WE CURRENTLY HAVE. 
INCOME AND BENEFITS.
SAVING AND PAYING FOR COLLEGE.
INVESTING.
LIKE TO DRAW YOUR ATTENTION TO FRAUDS, SCAMS AND CONSUMER RIGHTS.
THAT WAS ONE THING THAT WE HEARD FROM THE LIBRARIANS IS A REALLY BIG ISSUE AT THE LIBRARY AND WE HAVE PLENTY OF RESOURCES FOR YOU TO HELP YOUR PATRONS AVOID THESE FRAUDS AND SCAMS.
AND WE'RE ALSO VERY WILLING TO HELP YOU CONNECT YOU WITH LOCAL LAW ENFORCEMENT.
IF YOU LEARN OF YOUR PATRONS WHO HAVE BEEN A VICTIM A SCAM, PLEASE TELL YOUR LOCAL LAW ENFORCEMENT THEY HAVE CONSUMER OUTREACH INDIVIDUALS THAT ARE REALLY WANTING TO KNOW ABOUT THESE AND WANT TO BE ABLE TO HELP. 
YOU'LL SEE VERY LARGE ARRAY OF TOPICS ON HERE. 
AND SO HERE I WANTED TO PROVIDE YOU SOME DETAIL.
SO WHEN YOU GO BACK TWO PAGES, SO YOU'LL SEE HERE, UNDER THE TOPIC OF MONEY MANAGEMENT PROTECTION, THERE'S SHOPPING FOR AUTO LOANS AND YOU'LL SEE THAT OPEN ICON THERE ON THE RIGHT. 
YOU CLICK ON THAT.
THAT WILL TAKE YOU TO SOMETHING THAT LOOKS LIKE THIS. 
SO YOU SEE, THERE'S A NICE DESCRIPTOR OF WHAT THE TOPIC IS.
TO KIND OF GIVE YOU AN IDEA OF WHAT ARE THE RESOURCES IN THERE.
THEN IF YOU WANT TO HAVE SOMEONE COME TO YOUR LIBRARY TO TALK ABOUT HOW TO BE DEBT FREE.
THERE'S A LIST TO LINKS OF RESOURCES OF ORGANIZATIONS THAT HAVE A LOCAL PRESENCE THAT YOU CAN REACH OUT FOR FREE UNBIASSED INDIVIDUALS TO COME AND GIVE A PRESENTATION IN YOUR LIBRARY ON THAT TOPIC.
WE DO GO THE NEW YORK PUBLIC LIBRARY IN MANHATTAN, THE BRONX AND STATEN ISLAND.
THEY DO TWICE A YEAR A FINANCIAL PLANNING DAY IN APRIL AND OCTOBER AND WE HAVE GONE UP REGULARLY THERE.
IT'S DIRECT TO CONSUMERS.
THEY HAVE AN AREA SET UP WITH INFORMATION TABLES WHERE WE GET TO START AND TALK TO THE CONSUMERS WHEN WE COME IN AND THERE'S BREAKOUT SESSIONS AND WE HAVE DONE REGULAR BREAKOUT SESSIONS FOR THE NEW YORK PUBLIC LIBRARY, VERY WELL ATTENDED EVENT GRANTED IT IS IN MID TOWN MANHATTAN, IT'S JUST ANOTHER IDEA OF TAKING A FINANCIAL EDUCATION DAY AND MAKING LOCAL FREE RESOURCES AND THE BREAKOUT SESSIONS THAT I'VE DONE, USUALLY HAVE 50 TO 60 CONSUMERS IN EACH BREAKOUT SESSION.
VERY WELL ATTENDED EVENT. 
THIS IS A CONTINUATION FROM THE OTHER PAGE.
WE DO HAVE ON-LINE RESOURCES SO THERE WILL BE LINKS TO THOSE RESOURCES AND IF WE'VE DONE A WEBINAR FOR LIBRARIANS ON THAT TOPIC, THERE WILL BE A LINK TO THAT TRAINING AS WELL.
MORE LINKS TO FREE RESOURCES THAT ARE UNBIASSED AND ALSO, YOU CAN ORDER SOME PRINT RESOURCES AND YOU'LL SEE THERE, YOU CAN DO A PREVIEW OR YOU CAN ORDER IT. 
THE ORDER COMES FROM COLORADO WHERE THE FEDERAL GOVERNMENT HAS ITS BIG WAREHOUSE AND IT WILL BE SHIPPED TO YOU.
NO CHARGES FOR THE SHIPPING, NO HANDLING FEES AND NO CHARGE FOR THE PRODUCT.
YOU TELL THEM HOW MANY YOU WANT AND THEY WILL SEND IT OUT TO YOU.
I BELIEVE IT TAKES A COUPLE OF WEEKS FOR THE ORDER TO BE PROCESSED AND SHIPPED TO YOU.
HERE WE HAVE SOME OF OUR FREE PUBLICATIONS THAT WE HAVE.
YOU SEE WHAT WE HAVE HERE BY TOPIC AND YOU CAN ORDER THESE PUBLICATIONS FREE THROUGH OUR RESOURCE AND YOU CAN CONTACT ME AT ANY TIME IF YOU DON'T FIND ANYTHING THAT YOU'RE LOOKING FOR THAT WILL QUITE MEET YOUR NEEDS, SEND ME AN  E-MAIL.
IF WE DON'T HAVE IT, WE'LL BE ABLE TO FIND SOME ORGANIZATION THAT HAS ACCESS TO THAT ORGANIZATION. 
WE HAVE SOME WONDERFUL OUTREACH MATERIALS SO WE HAVE SOME GENERAL OUTREACH MATERIALS THAT GUIDE PATRONS TO THE LIBRARY SO WE'VE CREATED POSTERS, BOOKMARKS, ALL HAVE THAT LOVELY CFPB GREEN COLOR AND VERY EASY TO IDENTIFY ICONS.
AGAIN, WE MAKE ALL OF THESE FREE FOR YOU. 
IF YOU WANT TO DO ANY EVENTS IN YOUR LIFE OR WANT MATERIALS TO HELP PROMOTE THIS EVENT, YOU CAN GO TO OUR WEBSITE AND YOU CAN ORDER ANY OF THESE.
THIS, AGAIN, WOULD BE AVAILABLE FROM OUR CONSUMER FINANCE.GOV/LIBRARY-RESOURCES.
AND YOU CLICK ON THE LINK TO MARKETING MATERIALS AND THEN YOU'D BE ABLE TO ORDER THEM. 
AND THEN THE GUIDEBOOK THAT IS PART OF YOUR LEARNING GUIDE. 
SO WE CREATED IT WITH A LIBRARY IN MIND AND WITH THE GUIDANCE OF LIBRARIANS.
LISTS OF POTENTIAL NATIONAL, STATE AND LOCAL PARTNERS. 
THEY CAN BE NONPROFIT ORGANIZATIONS.
AND THERE ARE MANY ORGANIZATIONS THAT -- A COUPLE OF ORGANIZATIONS ACTUALLY THAT WE HAVE DONE MEMORANDUMS OF UNDERSTANDING WITH SUCH AS THE FOUNDATION FOR FINANCIAL PLANNING AND THE NATIONAL FOUNDATION FOR CREDIT COUNSELLING THAT WERE HELPING CONNECT THEM TO LIBRARIES THAT THOSE ORGANIZATIONS CAN SEND REPRESENTATIVES TO YOUR LIBRARY TO CONDUCT WORKSHOPS OR DO ONE-ON-ONE COUNSELLING WITH YOUR PATRONS AND YOUR LIBRARY WILL NOT BE TURNED INTO A MARKETING PLATFORM. 
AND IF IT DOES, YOU CONTACT ME AND WE WILL TAKE CARE OF THEM. 
WE ALSO HAVE THE OVERVIEW OF THE CFPB.
IT HELPS LIBRARIES BUILD AND STRENGTHEN THEIR COMMUNITY PARTNERSHIPS.
GO OUT AND FORM PARTNERSHIPS AND YOU'LL HEAR MORE ABOUT THAT FROM MEG AND THEA AND ALSO INCLUDES SOME STAFF RESOURCES. 
SO WE'VE ALSO PARTICIPATED IN RUSA WORKING GROUP TO DEVELOP FINANCIAL EDUCATION GUIDELINES AND BEST PRACTICES FOR LIBRARIANS.
AGAIN, WE WISH TO MAKE THIS AND KEEP THIS PROJECT FOCUSED ON THE LIBRARIES.
WE'RE VERY BIG ON SHARING AND COORDINATING RESOURCES AND BEST PRACTICES FROM A NUMBER OF STAKEHOLDERS.
WE HAVE A LARGE CONNECTIONS TO A LOT OF FINANCIAL EDUCATORS.
AND WE'RE LOOKING TO AMPLIFY A NATIONAL CONVERSATION ABOUT LIBRARIES AS A FINANCIAL EDUCATION RESOURCE AND WE'RE HEARING THAT LOUD AND CLEAR AS YOU'VE SEEN FROM THE EARLIER SLIDES THAT WERE THE MAPS OF HOW MUCH THIS PROGRAM HAS EXPANDED AND VERY QUICKLY AND VERY ORGANICALLY.
SO THIS LIST HERE SHOWS SOME OF YOUR CURRENT NATIONAL PARTNERS.
YOU'LL SEE SOME OF THEM ARE LIBRARY BASED LIKE THE ASSOCIATION OF RURAL LIBRARIES, NEW PARTNER FOR US.
BUT ALSO SOME FEDERAL AGENCIES, THE FDIC, FEDERAL DEPOSIT INSURANCE CORPORATION, THE FEDERAL TRADE COMMISSION AND ANOTHER EXCELLENT PARTNER TO WORK WITH THE USDA COOPERATIVE EXTENSION SERVICE.
GREAT RESOURCES ALL ACROSS THE COUNTRY AND UNITED WAY WORLDWIDE WHICH HAS BEEN A WONDERFUL PARTNER FOR US TO WORK WITH BECAUSE THEY'VE BEEN ABLE TO CONNECT US TO A LOT OF OTHER LOCAL ORGANIZATIONS SO IF YOU'RE HAVING TROUBLE FINDING A LOCAL ORGANIZATION IN YOUR AREA, JUST GIVE ME A CALL.
SEND ME AN E-MAIL AND I WILL HELP CONNECT YOU.
SO WE DON'T EXPECT YOU TO BE A FINANCIAL EXPERT OR TO PROVIDE PATRONS ALL THE HELP THAT PATRONS NEED BUT WE DO VIEW THESE WEBINARS AS A WAY TO INCREASE YOUR OWN FINANCIAL KNOWLEDGE AND INCREASE YOUR KNOWLEDGE ABOUT WHAT IS AVAILABLE OUT THERE THAT AGAIN IS FREE AND UNBIASSED.
WE WISH TO START A CONVERSATION TO LEARN MORE ABOUT YOUR PATRONS' NEEDS SO THAT YOU CAN GUIDE THEM TO EFFECTIVE RESOURCES.
SO AS WE GO OUT TO THESE CONFERENCES AND THESE ONE-ON-ONE TRAININGS WE'RE LISTENING TO YOU.
WE'RE HEARING WHAT YOU'RE HEARING FROM THE PATRONS AND WE WANT TO HELP MEET THOSE NEEDS.
WE WANT TO ESTABLISH RURAL PARTNERS AND HELP YOUR PATRONS WHEN YOU'RE NOT ABLE TO HELP THEM AND WE ALSO WOULD LOVE FOR YOU TO PROVIDE FEEDBACK ON ANY OF THE RESOURCES THAT THE CFPB OFFERS.
WE'RE VERY BIG ON WANTING TO HEAR FROM YOU AND WE WILL MAKE CHANGES TO ANY OF OUR RESOURCES WHEN WE HEAR FROM SOME OF YOU AND SAY, WELL, MY PATRON TRIED TO USE YOUR ON-LINE TOOL AND IT WASN'T EFFECTIVE.
HERE'S THE PROBLEM THEY HAVE.
THAT'S THE WAY WE KNOW HOW TO KEEP THOSE TOOLS UP TO DATE AND EFFECTIVE FOR CONSUMERS.
WE WOULD LOVE TO HEAR YOUR FEEDBACK.
HERE IS OUR SECOND E-MAIL ADDRESS AT FINANCIALEDUCATION WRITTEN AS ONE WORD AT CFPB.GOV.
FEEL FREE TO EITHER USE MY DIRECT E-MAIL OR THAT E-MAIL ADDRESS. 
IF YOU HAVE AN IDEA, WE'D LOVE TO HEAR ABOUT IT.
WE'D LOVE TO BE ABLE TO PROMOTE IT OUT IN OUR MONTHLY E-MAIL TO LIBRARIANS AND WE'RE ALSO INTERESTED IN NEW PROGRAM IDEAS.
WE'RE ALWAYS INTERESTED IN NEW IDEAS OF PARTNERS.
AND WE'RE ALWAYS INTERESTED IN WAYS IN WHICH WE CAN GET THE WORD OUT THAT THE LIBRAIES IS THERE AS A RESOURCE AND HERE'S HOW YOU CAN ACCESS THAT. 
AND AGAIN HERE IS OUR WEBSITE.
CONSUMER FINANCE.GOV/LIBRARY-RESOURCES.
AND ALL OF OUR RESOURCES FOR LIBRARIANS ARE CONTAINED ON THAT WEBSITE. 
WE'D ALSO HAVE A LINKED IN AT CFPBFINANCIAL EDUCATION DISCUSSION GROUP ON LINKEND IN OR BY E-MAIL AT FINANCIALEDUCATION AT CFPB.GOV OR SEND ONE TO ME AT KENNETH.MCDONNELL AT CFPB.GOV AND ANYBODY HAVE ANY QUESTIONS FOR ME? 
>> EXCELLENT!
THANK YOU SO MUCH, KEN.
THERE WERE SOME GREAT QUESTIONS THAT CAME THROUGH.
FIRST, A LITTLE BIT MORE WHEN YOU WERE TALKING ABOUT YOUR INITIAL LAUNCH AND THE 2013 INITIATIVE AND THEN THERE WAS ONE QUESTION ABOUT WHO THE OHIO LIBRARY WAS.
I DON'T KNOW IF YOU HAVE THAT OFF THE TOP OF YOUR HEAD.
>> COLUMBUS.
>> EXCELLENT. 
AND THEN JUST IN TERMS OF THAT MORE -- THERE WAS SOME CURIOUSITY IN TERMS OF WHAT THOSE RELATIONSHIPS ARE LIKE WITH THOSE LIBRARIES THAT YOU SHOWED ON THE MAP AND IF PEOPLE ARE INTERESTED IN SIGNING UP TO BE A MORE DELIBERATE PARTNER WITH YOU, HOW THAT WORKS. 
>> SO THE ONES THAT WE SELECTED AT FIRST, WE DID IT TO GET A GOOD GEOGRAPHIC AND DEMOGRAPHIC REPRESENTATION.
AND WE DO HAVE TO LIMIT OURSELVES TO JUST NINE LIBRARIES THAT WE'RE WORKING WITH.
SO THE CURRENT GROUP THAT WE'RE WORKING WITH WE'VE BEEN WORKING WITH THEM SINCE ABOUT 2016.
SO PROBABLY BY 2018, NEXT YEAR, WE'LL BE GOING OUT AND LOOKING FOR ANOTHER GROUP.
WE DON'T WANT TO TAX TOO MANY PEOPLE. 
BUT WE ARE ALWAYS INTERESTED IN HEARING ANY IDEAS THAT YOU MAY HAVE OR QUESTIONS, YOU KNOW, LIKE I'M REALLY TRYING TO FIND A RESOURCE FOR HOW TO AFFORD A MORTGAGE.
AND IF YOU'RE HAVING TROUBLE WITH IT, PLEASE FEEL FREE TO REACH OUT TO US.
WE'RE MORE THAN WILLING TO HELP CONNECT YOU WITH THOSE THINGS.
>> EXCELLENT.
THERE WERE SOME SPECIFIC QUESTIONS ABOUT TOPICS THAT IF YOU HAVE PROGRAM EXAMPLES FOR ESPECIALLY COVERING OUR SAVINGS FOR RETIREMENT, ANYTHING ON WILLS AND ESTATE PLANNING. 
>> WE DO HAVE ON SAVING FOR RETIREMENT.
IT IS A BIG TOPIC.
ESTATE PLANNING, THAT'S A GOOD ONE AND ONE OF THE ONES THAT WE HEARD FROM THE LIBRARIANS IN OREGON.
SO WE'RE LOOKING TO FIND AN ORGANIZATION OF LAWYERS THAT WOULD PROVIDE FREE PRO BONO SERVICES.
HAVEN'T BEEN ABLE TO LOCATE THAT ORGANIZATION YET.
BUT ONCE WE DO, THAT IS A QUESTION THAT'S COME UP AND I NEED TO DO IT MYSELF.
GET A LIVING WILL AND ESTATE PLANNING.
ONE OF THE OTHER THINGS WITH REGARD TO ESTATE PLANNING, THE FOUNDATION FOR FINANCIAL PLANNING, FINANCIAL PLANNERS CAN BE HELPFUL IN THAT RESPECT FOR ESTATE PLANNING.
AND SO THROUGH OUR PARTNER FOUNDATION FOR FINANCIAL PLANNING CAN CONNECT YOU PRO BONO WITH FINANCIAL PLANNERS.
WE DID HAVE THE LOCAL PLANNER FOR THE MID OREGON FINANCIAL PLANNING ASSOCIATIONS SPEAK IN EUGENE AND I GOT TO MEET THAT AND HER NAME WAS EMILY.
SO IF YOU WANT TO REACH OUT TO ME AND SAY HOW CAN I CONTACT THE PRO BONO FOLKS IN MY COMMUNITY?
PLEASE SEND ME AN E-MAIL AND I'LL HELP YOU MAKE THAT CONNECTION.
>> EXCELLENT.
I KNOW THAT THAT COMES UP, YOU KNOW, PEOPLE -- I THINK AND I'M LOOKING FORWARD TO HEARING MEGAN THEA TALK ABOUT HOW THEY FRAME THEIR ASK OF PARTNERS, ESPECIALLY IF IT'S MAYBE INSTITUTIONS LIKE A BANK WHERE THERE'S HESTIANCY BECAUSE YOU DON'T WANT TO PROVIDE PUBLICITY FOR THE BANK.
I HAVE TO ASK BECAUSE IT'S COME UP A COUPLE OF TIMES.
PEOPLE ARE ASKING ABOUT WHAT YOU ALL HEAR IN TERMS OF FUNDING FOR YOUR PROGRAM WITHIN THE CURRENT ADMINISTRATION'S FUNDING PRIORITIES.
>> I SAW THAT QUESTION. 
VERY GOOD QUESTION. 
ONE OF THE THINGS ABOUT THE CONSUMER PROTECTION BUREAU, WE'RE WHAT IS CALLED A NONAPPROPRIATED AGENCY.
WHAT THAT MEANS IS WE DON'T GET OUR FUNDING FROM A CONGRESSIONAL APPROPRIATIONS SUCH AS THE DEPARTMENT OF LABOR OR HEALTH AND HUMAN SERVICES DOES.
WE SUBMIT OUR BUDGET PROPOSAL TO THE FINANCIAL RESERVE BOARD.
THAT IS CHAIRED BY JANET YELLEN. 
AND WE SUBMIT THAT IN NEGOTIATIONS AND THEY ALLOCATE OUR BUDGET TO US.
SO WE ARE OUTSIDE THE CONGRESSIONAL APPROPRIATION REALM FOR THE TIME BEING.
CONGRESS CAN CHANGE THAT BUT THEY HAVE TO DO AN ACT AND PASS AN ACT AND HAVE IT SIGNED BY THE PRESIDENT TO CHANGE THAT.
IN ADDITION, WE ONLY HAVE ONE POLITICAL APPOINTEE HERE IN THE BUREAU, THAT'S THE DIRECTOR WHO IS FROM COLUMBUS, OHIO.
THAT'S WHY COLUMBUS WAS ONE OF THE ONES THAT WE INITIALLY WORKED WITH.
HE'S APPOINTED FOR A FIVE YEAR TERM THAT STARTED IN 2011 AND RUNS THROUGH 2018.
THE DIRECTOR SAID I'M GOING TO STAY OUT MY TERM AND IT DOES REQUIRE AN ACT OF CONGRESS TO HAVE THE DIRECTOR NOT IN THAT POSITION.
CURRENTLY, THE WAY THE LAW IS WRITTEN, THE PRESIDENT CANNOT REMOVE THE DIRECTOR WITHOUT CAUSE.
HE MUST HAVE CAUSE AND THE DODD FRANK LAW SPECIFIES WHAT THOSE TYPES OF CAUSES CAN BE. 
>> OK.
THAT'S GOOD NEWS FOR US.
>> WE'LL BE HERE FOR A WHILE.
>> EXCELLENT. 
ALL RIGHT.
WELL, THANK YOU SO MUCH, KEN, AND WE'LL GO AHEAD AND MOVE ON TO THEA TO TALK ABOUT THE WORK SHE'S BEEN DOING AT HER LIBRARY.
>> HELLO.
AND WELCOME, EVERYONE. 
VERY EXCITED TO BE HERE AND TALKING TO YOU ALL ABOUT FINANCIAL EDUCATION AT YOUR LIBRARY. 
I DEFINITELY AM SHARING THE NEWBIE PERSPECTIVE.
THIS IS SOMETHING THAT HASN'T BEEN DONE A WHOLE LOT IN MY LIBRARY IN THE PAST.
I'VE BEEN IN MY CURRENT POSITION ABOUT A YEAR AND A HALF.
AND AS WE WERE LOOKING IN A BIG PICTURE PERSPECTIVE AT OUR LIBRARY'S PROGRAMS FOR ADULTS IN PARTICULAR, WE NOTICED THAT THERE WERE SOME GAPS IN THAT FINANCIAL EDUCATION SEEMED TO BE A NEED IN OUR COMMUNITY AND SO I HAVE REALLY JUST GOTTEN STARTED WITH STARTING TO FORM THOSE PARTNERSHIPS AND YEAH, I'M EXCITED TO SHARE WITH YOU SOME OF THE THINGS THAT I'VE LEARNED.
SO HERE'S OUR LIBRARY HERE IN SPRINGFIELD, OREGON.
WE'RE IN A SUBURBAN COMMUNITY.
OUR SISTER CITY IS EUGENE, OREGON, WHICH IS OF A MUCH LARGER SIZE.
IT'S ABOUT 125,000 PEOPLE.
BUT HERE IN SPRINGFIELD, WE HAVE A POPULATION SERVED OF ABOUT 60,000.
WE HAVE ONE CENTRAL LIBRARY WITH NO BRANCHES.
AND OUR REGISTERED BORROWERS ARE, YOU KNOW, 16,000.
SO, YOU KNOW, ABOUT 1/4 OF OUR COMMUNITY HAS A LIBRARY CARD.
WE'RE A SMALL STAFF.
JUST MYSELF AND MY COLLEAGUE KRISTIN WORK ON OUR ADULT SERVICES PROGRAMMING HERE AT SPRINGFIELD.
AND SO WHEN WE WERE LOOKING AT OUR PROGRAMS, I MEAN, ANNUALLY WE HAVE ABOUT 470 EVENTS AND 400 OF THOSE ARE FOR YOUTH.
SO WE DEFINITELY HAVE A LOT OF YOUTH PROGRAMMING IN OUR COMMUNITY SO WHEN WE'RE LOOKING TO EXPAND ADULT PROGRAMMING, ONE OF THE NEEDS THAT WE SAW WAS FOR THINGS LIKE BUDGETING, YOU KNOW, UNDERSTANDING CREDIT, CREDIT REPORTS.
AND THAT KIND OF THING. 
I THINK JUST SERVING AT OUR REFERENCE DESK HAS BEEN REALLY EYE OPENING HELPING PEOPLE AT THE COMPUTERS SEEING WHAT THEIR QUESTIONS ARE ABOUT, YOU KNOW, WHAT -- WHERE CAN I GET A CREDIT REPORT WHERE THEY WON'T CHARGE ME, FOR EXAMPLE, IS A QUESTION I WAS JUST ASKED THIS WEEK. 
AND SO I DEFINITELY THINK THAT OUR PATRONS DO CONSIDER US A GOOD OBJECTIVE SOURCE FOR INFORMATION ESPECIALLY WHEN THEY'RE TRYING TO ACCESS INFORMATION ON LINE.
AND IT SEEM LIKE WE ARE POISED IN THIS REALLY WONDERFUL PLACE WHERE FOLKS TRUST US, THEY WANT US TO HELP THEM WITH THESE QUESTIONS AND WE HAVE THIS OPPORTUNITY TO EXPAND OUR PROGRAMMING TO MEET THAT NEED.
SO THE WAY THAT I CHOSE TO GET STARTED WAS LOOKING AT WHAT OTHER LIBRARIES ARE DOING AND TRYING TO LEARN HOW OTHER FOLKS HAVE GONE ABOUT STARTING THESE NEW PROGRAMS IN THE PAST.
SO I SAW ADVERTISED WEBINAR ABOUT MONEY SMART WEEK BACK IN OCTOBER AND I CAN VERY HIGHLY RECOMMEND THIS WEBINAR AS A GOOD WAY TO GET STARTED THINKING ABOUT THESE PROGRAMS IF YOU HAVEN'T HAD A LOT GOING ON IN YOUR LIBRARY IN THE PAST.
I LOVE IN THE WEBINAR THEY FEATURED LIBRARIES WITH DIFFERENT SIZES, DIFFERENT MEANS AND DIFFERENT SIZE STAFF.
AND GOT TO SHOWCASE A LOT OF DIFFERENT KINDS OF PROGRAMMING AND IT WAS DEFINITELY FROM THE SORT OF LIBRARIAN PERSPECTIVE OF HOW TO PARTICIPATE.
SO OUR LIBRARY IS GOING TO BE PARTICIPATING IN MONEY SMART WEEK AT THE END OF APRIL FOR THE FIRST TIME THIS YEAR.
AND THAT WAS SORT OF MY WAY OF JUMPING IN WITH SOME LEAD TIME TO START THINKING ABOUT PROGRAMMING AND WHERE WE WERE GOING TO GO.
AND FROM THERE, THAT WAS A GOOD LAUNCH POINT TO START BRAINSTORMING TO FIGURE OUT WHAT I WANTED TO LEARN AND WHAT KIND OF CONNECTIONS I WANTED TO START MAKING.
I WOULD HIGHLY RECOMMEND THAT YOU CONTACT YOUR STATE LIBRARY.
I THINK I EVEN SAW ARLENE MAYBE ON THIS WEBINAR.
I WANT TO SAY THANK YOU SO MUCH TO ARLENE AT THE OREGON STATE LIBRARY.
SHE IS SUCH A WONDERFUL RESOURCE AND ARLENE ACTUALLY ORGANIZED A FINANCIAL EDUCATION, FINANCIAL LITERACY TRAINING IN OREGON WHICH IS HOW I MET KEN AND LEARNED A LOT ABOUT THE CFPB.
I'LL BE HONEST AND SAY I DIDN'T KNOW A LOT ABOUT THE CFPB AND ITS RESOURCES BEFORE I WENT TO THAT TRAINING.
AND I JUST WALKED AWAY WITH A LOT OF CONNECTIONS.
A LOT OF PARTNERSHIP POSSIBILITIES AND JUST A LOT MORE INFORMATION THAT ORIENTED ME TO THIS TOPIC WHICH FEELS REALLY BIG AND OVERWHELMING AND SCARY WHEN I FIRST GOT STARTED.
I DEFINITELY FELT THAT WAY.
SO I WOULD SAY, YOU KNOW, REACH OUT.
CONTACT YOUR STATE LIBRARY, JUST START TALKING TO PEOPLE ABOUT THE POSSIBILITYS THAT ARE OUT THERE.
AND HIGHLY RECOMMEND THE COMMUNITY PARTNERSHIP GUIDEBOOK AS SOMEONE WHO IS JUST GETTING STARTED AND IS REALLY NOT HAD  A LOT OF THESE PROGRAMS IN THE PAST, I THINK THIS IS A REALLY GREAT STARTING FROM SCRATCH PLACE THAT BREAKS IT DOWN INTO MANAGEABLE STEPS, YOU KNOW, THINKING ABOUT WHAT ARE YOUR GOALS FOR YOUR PROGRAM, WHAT ARE YOUR COMMUNITY'S NEEDS AND HOW CAN YOU AND YOUR PARTNER WORK TOGETHER IN A WAY THAT IS EFFECTIVE FOR BOTH YOU AND THAT OUTSIDE GROUP SO HIGHLY RECOMMEND THAT AND THAT IS A PUBLICATION THAT YOU CAN ORDER FROM THE CFPB WEBSITE AND I GUESS THAT BRINGS ME TO SORT OF THE END OF MY SHORT PIECE.
I LOVE TO HEAR ANY QUESTIONS YOU MAY HAVE OR ABOUT WHAT IN PARTICULAR, WHAT WE'RE STARTING WITH HERE IN SPRINGFIELD WHERE SUBURBAN LIBRARY WITH SOME OPTIONS AS FAR AS WHAT'S NEARBY AND I KNOW MEG IS GOING TO TALK A LITTLE BIT MORE ABOUT THE RURAL PERSPECTIVE, TOO. 
>> EXCELLENT.
THANKS SO MUCH, THEA.
ALWAYS EXCITING TO HEAR FROM FOLKS WHO ARE MORE AT THE BEGINNING STAGES SO DEFINITELY CHIME IN ON CHAT IF YOU HAVE QUESTIONS AND WE'LL CONTINUE ON AND MOVE OVER TO MEG AND WE CAN CIRCLE BACK IF THERE ARE ANY OUTSTANDING QUESTIONS AT THE END.
WELCOME, MEG. 
>> HI, THANKS SO MUCH FOR HAVING ME! 
SO MY NAME IS MEG SPENCER.
I AM THE DIRECTOR OF THE SIUSLAW PUBLIC LIBRARY DISTRICT AND SO I'M REAL EXCITED TO BE HERE.
I'M A LITTLE BIT FURTHER ALONG THAN THEA BUT I STILL FEEL LIKE I HAVE SO MUCH TO LEARN AND LOTS OF PLACES I WANT TO GO.
AND ACTUALLY, I'M HOPEFUL AT THE END OF THIS PRESENTATION I CAN HEAR A LOT OF IDEAS ABOUT WHERE OTHER FOLKS ARE GOING.
JUST TO TELL YOU A LITTLE SHORT BIT ABOUT OUR LIBRARY SYSTEM.
WE ARE UNIQUE IN THAT WE HAVE A REALLY DIVERSE RANGE OF PEOPLE WE'RE SERVING IN A VERY RURAL AREA SO WE SERVED JUST OVER 17,000 RESIDENTS BUT THAT IS ACROSS A HUGE LAND MASS LOCATED ON THE OREGON COAST AND GOING UP RIVER TO SPRINGFIELD AND EUGENE.
THEY ARE OUR CLOSEST BIG CITY AND THEY ARE ABOUT AN HOUR AND A HALF AWAY FROM US.
SO HERE IN FLORENCE WHICH IS ACTUALLY RIGHT ON THE COAST, WE HAVE AN AVERAGE AGE OF 59.4.
SO WHAT THAT MEANS IS A LOT OF RETIREES ON FIXED INCOMES WITH LIMITED TECHNICAL EXPERTISE AND I KNOW A LOT OF YOU ARE PROBABLY FACING SOMETHING SIMILAR.
WE ALSO HAVE A LOT OF FAMILIES HERE THAT ARE LIVING AT OR NEAR THE POVERTY LINE WHO ARE IN THE SERVICE INDUSTRY.
AND THEY HAVE THEIR OWN REALLY SPECIFIC NEEDS.
AS YOU GO UP RIVER IN OUR DISTRICT, YOU ARE IN ONE OF THE FEW HIGH POVERTY HOT SPOTS IDENTIFIED BY THE STATE OF OREGON.
SO A REALLY WIDE RANGE OF NEEDS THAT WE'RE TRYING TO SERVE. 
WE ARE A SUPER WELL USED LIBRARY.
SO WE HAVE HUNDREDS OF PEOPLE COME TO THIS LIBRARY EVERY DAY AND THAT MEANS WE'RE SEEING LOTS OF PEOPLE AND DOING WHAT WE CAN TO SUPPORT THEIR NEEDS.
SO THE WAY I'M GOING TO TALK ABOUT FINANCIAL LITERACY IS KIND OF BROAD AND IT'S ALSO KIND OF A HACK.
BECAUSE I THINK LIKE A LOT OF YOU ESPECIALLY IF YOU'RE IN A RURAL LIBRARY, YOU ARE LOOKING FOR WAYS TO OFFER PROGRAMS BUT YOU DON'T NECESSARILY HAVE STAFF TIME AND DON'T NECESSARILY HAVE EXPERTISE AND YOU CAN WORK ON DEVELOPING THOSE BUT ONE THING I HAVE FOUND IS REALLY GREAT APPROACH OVER AND OVER AGAIN.
IT'S FINDING PARTNERS WHO CAN DO THE PROGRAMMING WHO ARE EXPERTS AND WHO WILL BE COMING TO YOUR LIBRARY.
AND YOU MAY THINK BECAUSE I'M IN A RURAL SYSTEM KIND OF IN THE MIDDLE OF NOWHERE NOBODY WANTS TO COME.
BUT I HAVE FOUND THAT MORE AND MORE ORGANIZATIONS AND BUSINESSES HAVE OUTREACH TO RURAL AREAS AS A PIECE OF THEIR STRATEGIC PLAN AND SOMETHING THEY'RE WORKING ON DOING.
SO WHEN I HEAR ABOUT AN ORGANIZATION ON THE NEWS THAT'S DOING TRAINING THAT SEEMS WORTHWHILE, I AM TOTALLY NOT SHY ABOUT GIVING THEM A CALL AND SAYING HEY, HAVE YOU CONSIDERED COMING OUT TO THE COAST.
ALSO, IT'S REALLY PRETTY HERE.
SO SOME OF THOSE EXAMPLES THAT I CAN GIVE, SHIBA IS A STATE ORGANIZATION, SENIOR HEALTH INSURANCE BENEFITS ASSISTANCE PROGRAM.
THEY TRAIN VOLUNTEERS TO HELP SENIORS LEARN WHICH MEDICARE PART B PROGRAM THEY SHOULD BE SIGNING UP FOR.
IT IS COMPLETELY NONCOMMERCIAL, NONPARTISAN.
IT'S INFORMATIONAL.
GREAT RESOURCE ESPECIALLY IN THIS COMMUNITY. 
WE ARE IN THE SIXTH YEAR AT THE LIBRARY OF GIVING SPACE OVER TO THE AARP FOUNDATION TAX-AIDE PROGRAM.
THAT PROGRAM, ALTHOUGH IT IS SPONSORED BY AARP IS NOT FOCUSED ONLY ON HELPING SENIORS PREPARE TAXES.
THEY WILL HELP PEOPLE OF ALL INCOMES AND AGES PREPARE TAXES.
AND WE HAVE HUNDREDS OF PEOPLE COME THROUGH OUR DOOR BECAUSE WE OFFER SPACE TO THAT PROGRAM.
AND ESPECIALLY NOW AS FEWER AND FEWER TAX FORMS ARE AVAILABLE, IT'S SOMETHING WE CAN GIVE TO FOLKS THAT DON'T HAVE A TECHNICAL KNOWLEDGE TO GET ON LINE AND DO THEIR TAXS THAT WAY. 
NEDCO IS OUT OF SPRINGFIELD, THEY ARE THE NEIGHBORHOOD ECONOMIC DEVELOPMENT CORPORATION AND THEY'VE COME OUT HERE TO HELP PEOPLE INTERESTED IN STARTING BUSINESSES DEVELOP FINANCING PLANS, BUSINESS PLANS, SO TRYING TO SERVE POSSIBLE FUTURE BUSINESS OWNERS. 
PERS, THE PUBLIC EMPLOYEES RETIREMENT SYSTEM HERE IN OREGON.
ORGANIZATION ALWAYS LOOKING FOR WAYS TO REACH OUT IN RURAL AREAS.
THEY SERVE THOUSANDS AND THOUSANDS OF OREGONIANS BECAUSE SO MANY FOLKS WORK FOR THE SCHOOL DISTRICTS, FOR GOVERNMENT, FOR WHATEVER THAT IS.
SO I'VE INVITED THEM HERE AND THEY'VE DONE RETIREMENT PLANNING AND THEN I HAVE ACTUALLY WORKED WITH OUR LOCAL BANK, OREGON PACIFIC BANK. 
I'VE ALSO WORKED WITH THE LOCAL ATTORNEY ABOUT ESTATE PLANNING.
WHAT THAT LOOKS LIKE.
IF I HAVE ANY DOUBT ABOUT WHAT KIND OF PROGRAMMING THEY'RE GOING TO BE OFFERING, I SAY WILL YOU SHOW ME YOUR PROPOSAL?
WILL YOU SHOW ME THE MATERIALS YOU'RE PLANNING TO HAND OUT?
I'M REALLY SPECIFIC, I TELL THEM, YOU KNOW, I'M HAPPY TO PUT YOU AS A CO-PRESENTER, YOU CAN HAVE A BUSINESS CARD THERE AFTER THE PROGRAM.
BUT DURING THE PROGRAM ITSELF, YOU SHOULDN'T BE MENTIONING YOUR BUSINESS OR SERVICES THAT YOU HAVE FOR SALE.
AND WHEN IT'S BLUNT LIKE THAT, AGAIN, OFTEN WHAT THEY'RE WANTING TO DO IS DO EDUCATION AND TRY TO HELP PEOPLE, YOU KNOW, BUDGET AND DO THOSE KINDS OF THINGS SO THEY CAN GET IN HOMES.
SO THEY CAN BE A GOOD PARTNER. 
SO THAT'S BEEN KIND OF A BIG PART OF OUR APPROACH TO FINANCIAL LITERACY BUT I THINK A SUCCESSFUL ONE BECAUSE THEY BRING IN THE EXPERTS.
OTHER THING LIKE MANY OF YOU YOU'RE GOING TO SEE SO OFTEN YOU'RE DOING ONE-ON-ONE KINDS OF FINANCIAL, I DON'T WANT TO SAY COACHING BUT YOU'RE GETTING FINANCIAL QUESTIONS.
ESPECIALLY WITH THE SENIOR AND THE LOW INCOME POPULATION THAT DON'T HAVE COMPUTERS AND THEIR HOMES TECH QUESTIONS ARE SO OFTEN ABOUT FINANCIAL ISSUES.
I SEE THAT OVER AND OVER AGAIN.
SOMEBODY NEEDS TO GET ON LINE TO LOOK AT THEIR BANK STATEMENT AND THEY'VE NEVER DONE THAT BEFORE.
SOMEONE NEEDS TO GET ON LINE TO FILE THEIR TAXES FOR THE FIRST TIME USING A COMPUTER.
THIS IS WHERE I CAN'T SAY ENOUGH ABOUT THE CONSUMER PROTECTION BUREAU MATERIALS, ABOUT THE FEDERAL TRADE COMMISSION'S MATERIALS.
THIS IS A PLACE WHERE OFTEN, YOU KNOW, I WANT TO GIVE SOMEBODY A BOOK TO GO HOME AND BRING BACK, THIS IS THE CASE WHERE I LOVE TO GIVE THEM MATERIALS THEY CAN WRITE ALL OVER WHEN THEY'RE SITTING AT THE COMPUTER AND TRYING TO GET THEIR QUESTIONS ANSWERED, TAKE IT HOME.
FOLLOW UP WITH A PHONE CALL IF THEY NEED TO.
KIND OF HAS ALL THAT MATERIAL AND IT WORKS REALLY WELL.
THIS IS A PLACE WHERE WE AS A STAFF WORK TO BE NONJUDGMENTAL AND COMPASSIONATE.
ALL OF THE TIME I GET QUESTIONS WHERE I SUSPECT FRAUD.
SOMEONE WILL COME UP TO ME AND HAVE AN E-MAIL AND THEY WILL SAY HEY, LOOK, I JUST FOUND OUT ABOUT THIS INHERITANCE I'VE GOTTEN FROM SOMEBODY I'VE NEVER HEARD OF BEFORE.
AND WHERE YOU TAKE THAT IS SO DIFFICULT BECAUSE AS I LIBRARIAN, WE ARE NOT POLICE OFFICERS.
RIGHT?
WE'RE NOT INTERPRETING.
WHAT I TRY TO DO IS OFFER RESOURCES.
I MENTION THAT IF THEY HAVE ANY QUESTIONS ABOUT WHO THIS PERSON IS, MAYBE THEY WANT TO TALK TO THE POLICE DEPARTMENT.
MAYBE THEY WANT TO TALK TO THE BANK.
JUST GIVING THEM PLACES THAT THEY CAN GO.
AND WE TALK -- I SAW A COUPLE OF QUESTIONS ABOUT LEGAL RESOURCES.
WE HAVE OVER THE LAST YEAR NOW, INVESTED IN AN ON-LINE LEGAL REFERENCE DATA BASE.
THAT'S ANOTHER PLACE WHERE WE SEE OVER AND OVER AGAIN, PEOPLE HAVE SO MANY QUESTIONS ABOUT LEGAL THINGS THAT ARE REALLY QUESTIONS ABOUT THEIR FINANCES. 
SO HAVING THE ABILITY TO REFER THEM TO GREAT ON-LINE RESOURCES, PUT THEM DOWN IN OUR COMPUTER AREA WITH A WILL THAT'S FREE THAT THEY CAN EDIT SEEMS TO WORK WELL AND IT'S SOMETHING THAT WE REALLY TRY TO OFFER.
OUR PRODUCT IS THROUGH -- I BELIEVE GAIL HAS ONE AS WELL.
WE HAVE A LOT OF THINGS IN OUR REFERENCE MANUALS.
AND THEN ANOTHER THING THAT OVER AND OVER AGAIN SEEMS TO HAVE WORKED FOR US AND THIS IS KIND OF IN A BROADER SENSE WORKING AROUND FINANCE, WE REALLY TRY TO BE IN PLACES WHERE PEOPLE DON'T ALWAYS EXPECT TO SEE LIBRARIANS.
I AM CURRENTLY SERVING ON THE CITY OF FLORENCE'S ECONOMIC DEVELOPMENT COMMITTEE.
IT ALLOWS ME OVER AND OVER AGAIN TO TALK ABOUT THE KIND OF RESOURCES THAT WE HAVE FOR, SAY, NEW BUSINESS OWNERS.
FOR FOLKS WHO ARE CONSIDERING MOVING TO THE AREA. 
SIUSLAW VISION 2025, WE'VE HAD SEVERAL STAFF MEMBERS BE PART OF THIS VERY LARGE COMMUNITY CONVERSATION ABOUT WHERE WE ARE GOING IN THE NEXT 10 YEARS IN THIS AREA AND WHAT THAT ALLOWS TO US DO AGAIN OVER AND OVER AGAIN.
IS TALK ABOUT WHAT PEOPLE CAN FIND WHEN THEY WALK IN OUR DOORS.
AND ALSO WHAT THINGS PEOPLE NEED AROUND SERVICES AND ISSUES OF FINANCIAL LITERACY. 
AND THEN FINALLY, THERE ON THE RIGHT, SO THAT WAS OUR PLANNING SESSION LAST JANUARY.
WE BROUGHT TOGETHER ABOUT 50 LOCAL RESIDENTS AND A NUMBER OF THOSE WERE FROM LOCAL BANKS AND FINANCIAL ORGANIZATIONS, LAWYERS, AND AGAIN, I THINK IT'S A CHANCE TO TALK ABOUT OBVIOUSLY IT WAS A CHANCE TO SEE WHERE THE COMMUNITY WANTS US TO GO BUT IT WAS A CHANCE TO LET THEM KNOW THE KIND OF THINGS THAT WE NEED.
KEEPING THAT CONVERSATION OPEN AND HOPEFULLY WE GET MORE PARTNERSHIPS.
I JUST GOT APPROACHED BY OREGON'S REGIONAL ACCELERATION NETWORK AND THEY FOCUS ON PEOPLE WHO WANT TO START A BUSINESS, A START-UP, AN ENTREPRENEUR AND THEY HAVE ASKED NOW TO COME INTO OUR LIBRARY TO START GIVING TRAININGS TO FOLKS ON HOW TO DO MARKET RESEARCH SO THEY CAN PUT TOGETHER A BUSINESS PLAN AND GET FINANCING.
SO I THINK BEING PART OF THOSE CONVERSATIONS IS HOW THAT HAPPENS. 
SO THAT'S REALLY WHAT I'VE GOT.
AND I HOPE IT'S HELPFUL.
LIKE I SAID, I THINK WE HAVE LOTS AND LOTS OF PLACES TO GO. 
I WOULD LIKE TO SEE US CONTINUE HERE ON STAFF TO DO MORE DEVELOPMENT IN TERMS OF OFFERING SOME OF THESE PROGRAMS OURSELVES BUT I LOVE BRINGING IN EXPERTS.
I JUST -- I DON'T THINK THERE'S ANY SHAME IN ASKING SOMEBODY WHO KNOWS IT BETTER TO COME IN AND TELL YOU ABOUT IT. 
SO THAT'S WHAT I'VE GOT! 
>> EXCELLENT!
THANK YOU SO MUCH, MEG.
AND IT'S BEEN GREAT TO SEE YOUR EXAMPLES AND ALSO TO KNOW THAT KEN AND HIS TEAM ARE AVAILABLE TO HELP MAKE SOME OF THOSE CONNECTIONS WITH COMMUNITY PARTNERS SO FOLKS DEFINITELY HAVE LOTS TO GET STARTED WITH.
I WILL ALSO MENTION THAT, AS I SAID, WE HAVE CREATED A LEARNER GUIDE THAT CAN HELP YOU ALL WALK THROUGH SOME OF THESE TOOLS AND EXPLORE IDENTIFYING PARTNERS, PRIORITIZING PROGRAM IDEAS, SO THAT IS AVAILABLE, ALSO, ON THE EVENT PAGE SO BE SURE TO CHECK THAT OUT. 
AND KEN, I REALIZE I FORGOT TO MENTION WHEN YOU WERE SHARING WITH US THE FREE PUBLICATIONS FOR LIBRARIES LINK, PEOPLE NOTED THAT IT WASN'T LOADING FOR THEM.
SO HOPEFULLY THAT'S SOMETHING THAT WILL BE RESOLVED SHORTLY BECAUSE I KNOW THAT THOSE ARE GREAT RESOURCES FOR YOU ALL TO HAVE ACCESS TO ORDERING.
SO ANY OTHER FINAL COMMENTS FROM ANY OF OUR PRESENTERS?
KEN?
>> YES, I'LL GO LOOK INTO THAT LINK.
WE ARE IN THE PROCESS OF UPDATING OUR LIBRARY'S WEB PAGE SO THAT WOULD BE PART OF THE ISSUE.
ONE OTHER THING I'D LIKE TO MENTION TO ALL OF YOU.
IT'S GREAT TO SEE THAT MEG THERE WORKED WITH AN OREGON BANK.
IF YOU'RE THINKING OF WORKING WITH A BANK, THEY'RE NOT BAD PEOPLE.
YOU JUST WANT TO MAKE SURE YOU'RE TALKING TO THE CORRECT PERSON.
AND EVERY BANK HAS A COMMUNITY REINVESTMENT ACT OFFICER.
SO IF YOU'RE GOING TO APPROACH A BANK AND WORK WITH THEM, ASK TO SPEAK WITH THE C.R.A. OFFICER.
BANKS ARE REQUIRED TO DO INVESTMENT BACK INTO COMMUNITIES AND FINANCIAL EDUCATION IS AN EXCELLENT WAY FOR THEM TO GET INVOLVED WITH THEIR COMMUNITY.
SO YOU MAY BE ABLE TO FIND SOME FUNDING.
YOU MAY BE ABLE TO FIND SOME EXPERTISE WITH THAT BANK.
BUT SPEAK WITH THE COMMUNITY REINVESTMENT ACT OR C.R.A. 
OFFICER AND THAT'S THE PERSON WHO CAN CONNECT YOU TO THE RESOURCES IN THAT BANK AND IT WILL NOT BE MARKETING OF THEIR PRODUCTS AND SERVICES. 
>> FANTASTIC.
THAT'S A GREAT TIP.
AND VERY HELPFUL. 
EXCELLENT!
WELL, AS I MENTIONED, THE RECORDING WILL BE MADE AVAILABLE LATER ON TODAY.
I'LL ADD ALL OF THE GREAT LINKS.
A SPECIAL THANK YOU TO THOSE OF YOU WHO CONTRIBUTED TO THE CONVERSATION WITH EXAMPLES AND LINKS.
WE'LL ADD THOSE TO THE EVENT PAGE AS WELL. 
AND THANK YOU SO MUCH TO MEG, THEA AND KEN FOR BRINGING YOUR GREAT WORK TO THIS WEBINAR AND KEN, WE LOOK FORWARD TO CREATING MANY MORE CONNECTIONS WITH LIBRARIES AROUND THE COUNTRY THROUGH THIS SESSION.
AND THANK YOU FOR YOUR CONTINUED WORK IN THIS AREA. 
ALL RIGHT.
EVERYONE HAVE A FANTASTIC DAY AND THANKS TO OUR CAPTIONER AND WE'LL SEE YOU ALL AT OUR NEXT WEBINAR! 
THANK YOU.