1. U.S. Family Mean Income Data (2007) Note: National median was $47,300. National mean was $84,300. Bottom 20% Next 20% Middle 20% Next 20% Next 10% Top 10%

2. Average Starting Salary Offers for 2009 Bachelor's Degree Graduates Chemical Engineering: $64,902 Computer Engineering: $61,738 Computer Science: $61,407 Electrical Engineering: $60,125 Engineering: $59,254 Information Sciences: $52,089 Civil Engineering: $52,048 Finance: $49,940 Economics: $49,829 Accounting: $48,993 Business Administration: $44,944 Marketing: $43,325 History: $37,861 Liberal Arts: $36,175 English: $34,704 Psychology: $34,284 Sociology: $33,280 Source: Campus Grotto.com, http://www.campusgrotto.com/average-starting-salary-by-degree-for-2009.html

3. Percent of Families that Save, by Income Category (2007) Bottom 20% Next 20% Middle 20% Next 20% Next 10% Top 10% Nationally, 57% of all families saved in 2007.

4. U.S. Family Mean Net Assets Data (2007) Bottom 25% Next 25% Next 15% Top 10% Note: National median was $120,300. National mean was $556,300. Note: 66% of assets are non-financial. Note: Total household assets have fallen about 20% since 2007.

5. U.S. Family Median Net Assets, by Demographics (2007) High School Degree College Degree Nonwhite / Hispanic White Non- Hispanic

6. Household Debt Non-revolving Revolving Source: Statistical Abstract of the United States. Non-revolving debt equals $13,600 per household (e.g., college loans, auto loans). Revolving debt equals $8,100 per household (credit card debt).

7. Home Mortgage Debt (1970-2007) Source: Statistical Abstract of the United States. About $100,000 per household.

8. Personal Bankruptcies in the U.S. Source: http://www.uscourts.gov/bnkrpctystats/bankruptcystats.htmhttp://www.uscourts.gov/bnkrpctystats/bankruptcystats.htm

9. Bottom 20% Second 20% Middle 20% Fourth 20%Top 20% Income (after taxes)10,53427,41945,17970,050150,927 Total expenditures20,47131,15042,44757,28596,752 Food at home2,0052,7413,3333,9805,265 Food away from home1,0301,5192,3493,2625,179 Alcohol176272413506917 Housing8,28511,39014,38819,01731,492 Utilities2,0852,8273,3584,0135,100 Apparel7651,0421,6542,0923,849 Transportation3,2425,7177,92611,05815,831 Healthcare1,4742,4482,8263,2684,244 Entertainment9261,5052,1502,9825,921 Education6143465326922,541 Consumer Expenditure Survey (2007)

10. Year Debt per Household w/ Cards % Change 1995$5,8000 19.4% 1996$6,634 12.7% 1997$6,811 4.2% 1998$6,885 1.1% 1999$7,342 6.6% 2000 $8,114 10.5% 2001 $8,288 2.2% 2002 $8,724 5.3% 2003 $8,664 -0.7% 2004 $8,918 2.9% 2005 $9,184 3.0% 2006 $9,686 5.5% 2007 $10,385 7.2% Credit Card Debt in the United States Source: Credit.com, http://www.credit.com/press/statistics/credit-card-statistics.htmlhttp://www.credit.com/press/statistics/credit-card-statistics.html

11. College Students and Credit Cards (2008 data)  Percent of students with at least one credit card: 84%  Average number of cards per students: 4.6  Average credit card balance: $3,173  About 1/5 of seniors have balances in excess of $7,000  40% of students have charged items knowing they did not have the money to pay off the balance  Percent who pay off balance every month: 17%  84% indicated a need for more financial education  College drop-out rate due to debt: 8.5%  College drop-out rate due to academic problems: 6.0% Sources: “How Undergraduate Students Use Credit Cards,” Sallie Mae, April 2009; and College Student Marketing Agency, http://www.ucms.com/college-credit-card-statistics.htm.http://www.ucms.com/college-credit-card-statistics.htm

12. College Students and Credit Cards Source: “How Undergraduate Students Use Credit Cards,” Sallie Mae, April 2009.

13. College Students and Credit Cards Source: “How Undergraduate Students Use Credit Cards,” Sallie Mae, April 2009.

14. New Credit Card Rules

15.  No interest rate increases on pre-existing balances.  No interest rate increases for the first 12 months.  45-day notice for interest rate increases.  Billing statements must be sent 21 days prior to due date.  Payments above the minimum are automatically applied to highest-rate balances.  Under age 21 requires co-signer or proof of ability to pay. However, still no federal legal limit on maximum interest rates (typical maximums are around 30%).

16. Compulsive Shopping About 6% of Americans are compulsive shoppers, or about 17.6 million. This is higher than the number of alcoholics (estimated to be around 15 million).

17. Major Stock Market Indices  Dow Jones Industrial Average – Index based on the stock value of 30 very large U.S. corporations (e.g., ExxonMobil, GE, GM, IBM, Citigroup, Coca-Cola, Home Depot, Boeing), see http://en.wikipedia.org/wiki/Dow_Jones_Industrial_Average. http://en.wikipedia.org/wiki/Dow_Jones_Industrial_Average  Standard and Poor’s (S&P) 500 – Index based on the stock prices of 500 large, mostly U.S. corporations (see http://en.wikipedia.org/wiki/List_of_S%26P_500_companies for full list). http://en.wikipedia.org/wiki/List_of_S%26P_500_companies  Nasdaq Composite – Index based on the stock prices of about 3,000 “technology and growth” companies, mostly based in the U.S. (see http://en.wikipedia.org/wiki/Nasdaq_Composite)http://en.wikipedia.org/wiki/Nasdaq_Composite

18. Average Annual Rates of Return, S&P 500 Historical annualized rate of return is about 9% (a little less than 7% adjusting for inflation).

19. The S&P 500 over Last Five Years Source: Yahoo Finance, March 30, 2010.

20. The S&P 500 Historically Source: Yahoo Finance.

21. Source: “2007 Report on Socially Responsible Investing Trends in the United States,” Social Investment Forum, 2008.