Economic fundamentals should be strengthened, including appropriate monetary policy, sound fiscal stances, and well-implemented structural reforms. Finally, reserve and fund managers will continue to face a difficult environment. While risks and uncertainty are greater, very low returns on assets can be expected, even at longer maturities. Less market liquidity and more volatile environments are also part of the outlook.
On the financial education front, examples of the Federal Reserve’s many resources available to the public are   an online credit card calculator that helps consumers estimate how long it will take to pay off a credit card bill under different payment scenarios, 2    concise brochures – in both English and Spanish – offering consumer tips on such topics as avoiding mortgage foreclosure scams and protecting their checking accounts, 3 and    interactive websites that provide consumers with what they need to know about new protections for credit card accounts and overdraft protection programs that recently took effect.