How does this content vary across demographic groups, such as by income, employment status, age, or culture?   How do people obtain and process financial information? What sources do they use? Do outcomes vary by the source or timing of the information?
  Is instilling financial knowledge enough to improve consumer outcomes, or do we need to fundamentally change consumer behavior as well? How can we as policymakers influence financial behaviors?   How should financial literacy be measured to evaluate the impact of financial education on financial outcomes and predict future behavior and well-being?