  Awareness – by distributing pamphlets, comic books, enacting plays and skits, arranging stalls in local fairs, exhibitions, participation in information / literacy programmes organized by Press    Inclusion of Financial Education material in school curriculum by various State Governments    Use of mobile Financial Literacy vans by banks in the North Eastern States    Weekly Radio programmes on FL in some States by banks & similar programmes in Tribal districts by NABARD    Awareness programmes on various Government Sponsored self employment schemes involving bank loans & subsidy by Government agencies like KVIC,DICs, SC/ST corporations    Mass media campaigns tie ups with educational institutes, financial awareness workshops/ help lines, books, pamphlets and publications on FL by NGOs, Financial market players etc.
Shortages of labour are already evident in an increasing number of sectors in Germany and throughout the euro area. Given the foreseeable demographic change, a decline in the labour supply is to be expected. In Germany, for example, more baby boomers are likely to leave the labour market than can be offset by net migration from 2026 onwards.