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<div style="direction: ltr;font-family: Tahoma;color: #000000;font-size: 10pt;">Hi everyone...
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<div>All very good points... </div>
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<div>I can't speak to any of those books personally because I've never read them. The only thing I can say about them is that they're expensive! I think teaching a personal finance course where the book is $250 sends the wrong message to the students. </div>
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<div>The only book I can vouch for is iGrad's "Your Financial Mastery." It was written by best-selling author Sharon Lechter. The book meets the requirements of a multi-credit higher education course and has won multiple EIFLE awards from the Institute for
Financial Literacy. More importantly, it is A LOT less expensive than the other books mentioned in this email string. In addition, iGrad offers many personal finance tools outside of the textbook. A great option to consider in my opinion. </div>
<div><br>
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<div>Here's a link for more information: <a href="http://schools.igrad.com/services/financial-literacy-curriculum/">http://schools.igrad.com/services/financial-literacy-curriculum/</a></div>
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<div>You can download a sample chapter and take a look for yourself! Hope that helps :) </div>
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<div>Have an awesome weekend everyone!</div>
<div><br>
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<div>Best, </div>
<div><br>
</div>
<div>Edgar Rodriguez<br>
<div style="font-family: Times New Roman; color: #000000; font-size: 16px">
<hr tabindex="-1">
<div id="divRpF722534" style="direction: ltr;"><font face="Tahoma" size="2" color="#000000"><b>From:</b> Natfinwellness [natfinwellness-bounces@lists.osu.edu] on behalf of Moody, Katherine [moodyk@ripon.edu]<br>
<b>Sent:</b> Friday, February 26, 2016 3:56 PM<br>
<b>To:</b> National Financial Wellness Listserv<br>
<b>Subject:</b> Re: [Natfinwellness] Textbook/curriculum information<br>
</font><br>
</div>
<div></div>
<div>
<div dir="ltr">Librarian's perspective:<br>
<br>
Popular financial gurus, such as Dave Ramsay, Suzie Orman, et al, certainly have a lot of good advice, but when it comes down to it, they are more salespeople than financial experts and this is too often reflected in what they recommend for all the reasons
others have stated. I would avoid referencing them or any of their works in class and stick to reliable works written by people who have worked in economics/financial planning for many years.<br>
<br>
If you do want a <i>popular </i>book for the students, a quite recent book, "The Index Card" by Pollack (U of Chicago econ prof) and Olen (financial journalist) is currently at the top of my reading list. I think the wise, straightforward, and simple advice
would be quite palatable to the average student. This is not to say there aren't a lot of other good popular books out there too.
<br>
<div class="gmail_extra"><br clear="all">
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<div>Cheers, </div>
<div><br>
</div>
<div>Kate Moody<br>
</div>
<div><a href="https://twitter.com/librarikate" target="_blank">@librarikate</a><br>
<br>
</div>
<div>Access Services Librarian<br>
</div>
Lane Library, Ripon College<br>
<div>(920) 748-8750<br>
<br>
300 Seward Street<br>
P.O. Box 248<br>
Ripon, WI 54971-0248<br>
<br>
<a href="https://twitter.com/lane_library" target="_blank"><span style="color:blue; text-decoration:none"><img src="cid:image001.gif@01CEF82C.E156E1A0" alt="twitter" height="36" width="36" border="0"></span></a>
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<br>
<div class="gmail_quote">On Fri, Feb 26, 2016 at 3:42 PM, Pat Bonner <span dir="ltr">
<<a href="mailto:patb@ifebp.org" target="_blank">patb@ifebp.org</a>></span> wrote:<br>
<blockquote class="gmail_quote" style="margin:0 0 0 .8ex; border-left:1px #ccc solid; padding-left:1ex">
<div lang="EN-US">
<div>
<p class="MsoNormal"><span style="color:#1f497d">I have to agree with Ann that Dave Ramsey materials are not a particularly good choice. While Dave has some good advice concerning getting out of debt and reducing credit card use, his investment advice/claimed
results are questionable at best. Dave is a great salesmen. In fact, for a fee he endorses local financial services companies. The following link provides more details why you should probably have second thoughts before using his materials.<u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:#1f497d"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="color:#1f497d"><a href="http://time.com/money/2794698/save-like-dave-ramsey-just-dont-invest-like-him/" target="_blank">http://time.com/money/2794698/save-like-dave-ramsey-just-dont-invest-like-him/</a><u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:#1f497d"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="color:#1f497d">By using Dave’s materials in the classroom, you are in effect promoting him and those who he endorses as creditable sources of financial guidance.
<u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:#1f497d"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="color:#1f497d">There are plenty of other materials available without going down this path.
<u></u><u></u></span></p>
<span class="">
<p class="MsoNormal"><span style="color:#1f497d"><u></u> <u></u></span></p>
<p class="MsoNormal"><b><span style="color:black">Patricia A . Bonner, Ph.D., CEBS<br>
Associate Director, Content Support<br>
International Foundation of Employee Benefit Plans</span></b><span style="color:black"><br>
18700 W. Bluemound Road<br>
Brookfield, WI 53045<br>
<a href="tel:%28262%29%20373-7636" value="+12623737636" target="_blank">(262) 373-7636</a> |
<a href="tel:%28262%29%20786-8670" value="+12627868670" target="_blank">(262) 786-8670</a> Fax<br>
<a href="mailto:patb@ifebp.org" target="_blank">patb@ifebp.org</a>| <a href="http://www.ifebp.org" target="_blank">
www.ifebp.org</a><u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:#1f497d"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="color:#1f497d"><u></u> <u></u></span></p>
</span>
<div>
<div style="border:none; border-top:solid #e1e1e1 1.0pt; padding:3.0pt 0in 0in 0in">
<p class="MsoNormal"><b>From:</b> Natfinwellness [mailto:<a href="mailto:natfinwellness-bounces@lists.osu.edu" target="_blank">natfinwellness-bounces@lists.osu.edu</a>]
<b>On Behalf Of </b>Ann House<br>
<b>Sent:</b> Friday, February 26, 2016 3:19 PM</p>
<div>
<div class="h5"><br>
<b>To:</b> National Financial Wellness Listserv <<a href="mailto:natfinwellness@lists.osu.edu" target="_blank">natfinwellness@lists.osu.edu</a>><br>
<b>Subject:</b> Re: [Natfinwellness] Textbook/curriculum information<u></u><u></u></div>
</div>
<p></p>
</div>
</div>
<div>
<div class="h5">
<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal"><span style="color:#1f497d">I don’t feel Dave Ramsey is a reliable authority. He addresses only a certain population and his products are expensive.
<u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:#1f497d"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="color:#c00000">Ann C. House, MS, CPFC, CEPF<u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:#c00000">Coordinator, Personal Money Management Center<u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:#c00000">The University of Utah<u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:#c00000">Olpin Student Union Building<u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:#c00000">200 S. Central Campus Dr., #317<u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:#c00000">Salt Lake City, UT 84112<u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:#c00000"><a href="tel:801-585-3886" value="+18015853886" target="_blank">801-585-3886</a> (Office)<u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:#c00000"><a href="http://www.personal-money-management.utah.edu/" target="_blank"><span style="color:#c00000">www.personal-money-management.utah.edu</span></a><u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:#1f497d"><img src="cid:image001.png@01D170A9.DC1D59B0" height="83" width="419" border="0"><u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:#1f497d"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="color:#c00000">2015 AFCPE Outstanding Financial Counseling Center
<u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:#1f497d"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="color:#1f497d"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="color:#1f497d"><u></u> <u></u></span></p>
<div>
<div style="border:none; border-top:solid #e1e1e1 1.0pt; padding:3.0pt 0in 0in 0in">
<p class="MsoNormal"><b>From:</b> Natfinwellness [<a href="mailto:natfinwellness-bounces+ahouse=sa.utah.edu@lists.osu.edu" target="_blank">mailto:natfinwellness-bounces+ahouse=sa.utah.edu@lists.osu.edu</a>]
<b>On Behalf Of </b>Regina Harper<br>
<b>Sent:</b> Friday, February 26, 2016 2:14 PM<br>
<b>To:</b> National Financial Wellness Listserv <<a href="mailto:natfinwellness@lists.osu.edu" target="_blank">natfinwellness@lists.osu.edu</a>><br>
<b>Subject:</b> Re: [Natfinwellness] Textbook/curriculum information<u></u><u></u></p>
</div>
</div>
<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal"><span style="color:#993366">Greetings,<u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:#993366"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="color:#993366">Below is a link to information from Dave Ramsey regarding finances for college students:<u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:#993366"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="color:#993366"><a href="https://www.google.com/?gws_rd=ssl#q=dave+ramsey+college+students" target="_blank">https://www.google.com/?gws_rd=ssl#q=dave+ramsey+college+students</a><u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:#993366"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="color:#993366">Regina<u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:#993366"><u></u> <u></u></span></p>
<div>
<div style="border:none; border-top:solid #e1e1e1 1.0pt; padding:3.0pt 0in 0in 0in">
<p class="MsoNormal"><b>From:</b> Natfinwellness [<a href="mailto:natfinwellness-bounces+rharpe10=cscc.edu@lists.osu.edu" target="_blank">mailto:natfinwellness-bounces+rharpe10=cscc.edu@lists.osu.edu</a>]
<b>On Behalf Of </b>BOB RUDAY<br>
<b>Sent:</b> Friday, February 26, 2016 4:05 PM<br>
<b>To:</b> National Financial Wellness Listserv <<a href="mailto:natfinwellness@lists.osu.edu" target="_blank">natfinwellness@lists.osu.edu</a>><br>
<b>Subject:</b> Re: [Natfinwellness] Textbook/curriculum information<u></u><u></u></p>
</div>
</div>
<p class="MsoNormal"><u></u> <u></u></p>
<div>
<div>
<div>
<p class="MsoNormal"><span style="font-size:10.5pt; color:black">With so much on the internet (and free and current), could that be a better option than a high priced textbook?<u></u><u></u></span></p>
</div>
<div>
<p class="MsoNormal"><span style="font-size:10.5pt; color:black"><u></u> <u></u></span></p>
</div>
<div>
<div>
<div>
<div>
<p class="MsoNormal"><span style="font-size:10.5pt; color:black">Bob Ruday</span><span><u></u><u></u></span></p>
</div>
<p class="MsoNormal"><u></u> <u></u></p>
<div>
<p class="MsoNormal"><span style="font-size:10.5pt; color:black">Assistant to the President<u></u><u></u></span></p>
</div>
<div>
<p class="MsoNormal"><span style="font-size:10.5pt; color:black">The University of Tampa</span><span><u></u><u></u></span></p>
</div>
<p class="MsoNormal"><u></u> <u></u></p>
<div>
<p class="MsoNormal"><span style="font-size:10.5pt; color:black">401 W. Kennedy Blvd., Box 116F</span><span><u></u><u></u></span></p>
</div>
<p class="MsoNormal"><u></u> <u></u></p>
<div>
<p class="MsoNormal"><span style="font-size:10.5pt; color:black">Tampa, FL 33606-1490<u></u><u></u></span></p>
</div>
<div>
<p class="MsoNormal"><span style="font-size:10.5pt; color:black"><a href="mailto:Bruday@ut.edu" target="_blank">Bruday@ut.edu</a><u></u><u></u></span></p>
</div>
<div>
<p class="MsoNormal"><span style="font-size:10.5pt; color:black">Cell <a href="tel:813.477.3803" value="+18134773803" target="_blank">
813.477.3803</a><u></u><u></u></span></p>
</div>
<div>
<p class="MsoNormal"><span style="font-size:9.0pt; color:#007f00"> The goal is not to create a population of personal finance experts, but to help students make better decisions with their money.</span><span style="font-size:10.5pt; color:black"><u></u><u></u></span></p>
</div>
</div>
<div>
<p class="MsoNormal"><span style="font-size:10.5pt; color:black"><u></u> <u></u></span></p>
</div>
</div>
</div>
</div>
</div>
<div>
<p class="MsoNormal"><span style="font-size:10.5pt; color:black"><u></u> <u></u></span></p>
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<div style="border:none; border-top:solid #b5c4df 1.0pt; padding:3.0pt 0in 0in 0in">
<p class="MsoNormal"><b><span style="color:black">From: </span></b><span style="color:black">Natfinwellness <<a href="mailto:natfinwellness-bounces@lists.osu.edu" target="_blank">natfinwellness-bounces@lists.osu.edu</a>> on behalf of Chris Conway <<a href="mailto:Chris.Conway@apollo.edu" target="_blank">Chris.Conway@apollo.edu</a>><br>
<b>Reply-To: </b>National Financial Wellness Listserv <<a href="mailto:natfinwellness@lists.osu.edu" target="_blank">natfinwellness@lists.osu.edu</a>><br>
<b>Date: </b>Friday, February 26, 2016 at 1:08 PM<br>
<b>To: </b>National Financial Wellness Listserv <<a href="mailto:natfinwellness@lists.osu.edu" target="_blank">natfinwellness@lists.osu.edu</a>><br>
<b>Subject: </b>Re: [Natfinwellness] Textbook/curriculum information</span><span style="font-size:12.0pt; color:black"><u></u><u></u></span></p>
</div>
<div>
<p class="MsoNormal"><span style="font-size:10.5pt; color:black"><u></u> <u></u></span></p>
</div>
<div>
<div>
<div>
<p class="MsoNormal"><span style="font-size:10.5pt; color:black">I was going to suggest the Kapoor text as well. We use that in our first year personal finance class. Some of it can be fairly in-depth, but it has good high-level information too- so it can
work for most students. <br>
<br>
Sent from my iPhone<u></u><u></u></span></p>
</div>
<div>
<p class="MsoNormal" style="margin-bottom:12.0pt"><span style="font-size:10.5pt; color:black"><br>
On Feb 26, 2016, at 9:39 AM, Pat Bonner <<a href="mailto:patb@ifebp.org" target="_blank">patb@ifebp.org</a>> wrote:<u></u><u></u></span></p>
</div>
<blockquote style="margin-top:5.0pt; margin-bottom:5.0pt">
<div>
<p class="MsoNormal"><span lang="EN" style="font-size:12.0pt; color:black">The first two textbooks that I would look at are these. I have used both for teaching personal finance at the college level.
</span><span style="color:black"><u></u><u></u></span></p>
<p class="MsoNormal"><b><span lang="EN" style="font-size:12.0pt; color:black"> </span></b><span style="color:black"><u></u><u></u></span></p>
<p class="MsoNormal"><b><span lang="EN" style="font-size:12.0pt; color:black"><a href="https://www.google.com/shopping/product/11339492454988951328?q=personal+finance+garman+and+forgue+12th+edition&biw=1329&bih=783&bav=on.2,or.&bvm=bv.115339255,d.cWw&tch=1&ech=1&psi=ZorQVvS-EYrk-QHCgoLgBA.1456507497514.5&prds=paur:ClkAsKraXyrYoo1Cf12yKSF3dL3nQDLepJqhsv0wO0OdIdp8ER8KTBYg8YcAl60DrtgoC6yp_cArtQ-T_Ses-JMKOn7bmsAFLHV4jdtNAlCUNHSAr-8oO2P5chIZAFPVH73R9HLVxSDpWKUtQB--U08MVlGOCw&sa=X&ved=0ahUKEwi5rMGp-ZXLAhVJOj4KHWK9BmwQ8wII1AEwAA" target="_blank"><span style="color:windowtext; text-decoration:none">Personal
Finance</span></a></span></b><span style="color:black"><u></u><u></u></span></p>
<p class="MsoNormal"><span lang="EN" style="font-size:12.0pt; color:black">by E. Thomas Garman, Raymond Forgue · Cengage Learning · Hardback · 608 pages · ISBN 1133595839</span><span style="color:black"><u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt; color:black"> </span><span style="color:black"><u></u><u></u></span></p>
<p class="MsoNormal"><b><span style="font-size:12.0pt; color:black">Personal Finance</span></b><span style="font-size:12.0pt; color:black"> (McGraw-Hill/Irwin Series in Finance, Insurance, and Real Est) 10th Edition
</span><span style="color:black"><u></u><u></u></span></p>
<p class="MsoNormal" style="line-height:14.25pt"><span style="font-size:12.0pt; color:black">by
<a href="http://www.amazon.com/s/ref=dp_byline_sr_book_1?ie=UTF8&text=Jack+Kapoor&search-alias=books&field-author=Jack+Kapoor&sort=relevancerank" target="_blank">
<span style="color:windowtext; text-decoration:none">Jack Kapoor</span></a>, <a href="http://www.amazon.com/s/ref=dp_byline_sr_book_2?ie=UTF8&text=Les+Dlabay&search-alias=books&field-author=Les+Dlabay&sort=relevancerank" target="_blank">
<span style="color:windowtext; text-decoration:none">Les Dlabay</span></a>, <a href="http://www.amazon.com/s/ref=dp_byline_sr_book_3?ie=UTF8&text=Robert+J.+Hughes&search-alias=books&field-author=Robert+J.+Hughes&sort=relevancerank" target="_blank">
<span style="color:windowtext; text-decoration:none">Robert J. Hughes</span></a> </span><span style="color:black"><u></u><u></u></span></p>
<p class="MsoNormal" style="line-height:14.25pt"><span style="font-size:12.0pt; color:black"> </span><span style="color:black"><u></u><u></u></span></p>
<p class="MsoNormal"><b><span style="color:black">Patricia A . Bonner, Ph.D., CEBS<br>
Associate Director, Content Support<br>
International Foundation of Employee Benefit Plans</span></b><span style="color:black"><br>
18700 W. Bluemound Road<br>
Brookfield, WI 53045<br>
<a href="tel:%28262%29%20373-7636" value="+12623737636" target="_blank">(262) 373-7636</a> |
<a href="tel:%28262%29%20786-8670" value="+12627868670" target="_blank">(262) 786-8670</a> Fax<br>
<a href="mailto:patb@ifebp.org" target="_blank">patb@ifebp.org</a>| <a href="http://www.ifebp.org" target="_blank">
www.ifebp.org</a><u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:#1f497d"> </span><span style="color:black"><u></u><u></u></span></p>
<div>
<div style="border:none; border-top:solid #e1e1e1 1.0pt; padding:3.0pt 0in 0in 0in">
<p class="MsoNormal"><b><span style="color:black">From:</span></b><span style="color:black"> Natfinwellness [<a href="mailto:natfinwellness-bounces@lists.osu.edu" target="_blank">mailto:natfinwellness-bounces@lists.osu.edu</a>]
<b>On Behalf Of </b>Susan E. Kannenwischer<br>
<b>Sent:</b> Friday, February 26, 2016 11:08 AM<br>
<b>To:</b> '<a href="mailto:natfinwellness@lists.osu.edu" target="_blank">natfinwellness@lists.osu.edu</a>' <<a href="mailto:natfinwellness@lists.osu.edu" target="_blank">natfinwellness@lists.osu.edu</a>><br>
<b>Subject:</b> [Natfinwellness] Textbook/curriculum information<u></u><u></u></span></p>
</div>
</div>
<p class="MsoNormal"><span style="color:black"> <u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:black">Happy Friday!<u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:black"> <u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:black">I have been given the opportunity to teach a Personal Finance course next semester and am looking for textbook suggestions. What has been used on your campuses that you have found to work well? Any textbooks
I should avoid? I know there are many resources outside of a textbook format, and I plan to utilize those too, but would also like to see if there is a great text from which I can work.<u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:black"> <u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:black">Thanks,<u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:black">Susan<u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:black"> <u></u><u></u></span></p>
<p class="MsoNormal"><b><span style="font-size:10.0pt; font-family:"Georgia",serif; color:#0070c0">Susan Kannenwischer</span></b><span style="color:black"><u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:8.0pt; font-family:"Arial",sans-serif; color:#323232">Director of Financial Aid<br>
</span><b><span style="font-size:8.0pt; font-family:Wingdings; color:#e36c0a">(</span></b><span style="font-size:8.0pt; font-family:"Arial",sans-serif; color:#e36c0a">Office:
<a href="tel:614-236-6512" value="+16142366512" target="_blank">614-236-6512</a></span><span style="color:black"><u></u><u></u></span></p>
<p class="MsoNormal"><b><span style="font-size:8.0pt; font-family:Webdings; color:#e36c0a">F</span></b><span style="font-size:8.0pt; font-family:"Arial",sans-serif; color:#e36c0a">Fax:
<a href="tel:614-236-6926" value="+16142366926" target="_blank">614-236-6926</a></span><span style="color:black"><u></u><u></u></span></p>
<p class="MsoNormal"><b><span style="font-size:8.0pt; font-family:Wingdings; color:#e36c0a">*</span></b><span style="font-size:8.0pt; font-family:"Arial",sans-serif; color:#e36c0a">Email:
</span><span style="color:black"><a href="mailto:skannenwischer@capital.edu" target="_blank"><span style="font-size:8.0pt; font-family:"Arial",sans-serif">skannenwischer@capital.edu</span></a><u></u><u></u></span></p>
<p class="MsoNormal"><b><span style="font-size:10.0pt; font-family:"Georgia",serif; color:#400080"> </span></b><span style="color:black"><u></u><u></u></span></p>
<p class="MsoNormal"><b><span style="font-size:10.0pt; font-family:"Georgia",serif; color:#400080">Capital</span></b><b><span style="font-size:10.0pt; font-family:"Georgia",serif; color:gray">University</span></b><span style="font-size:10.5pt; font-family:"Georgia",serif; color:black"><br>
</span><span style="font-size:8.0pt; font-family:"Arial",sans-serif; color:#323232">1 College and Main<br>
Columbus, Ohio 43209</span><span style="color:black"><u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:8.0pt; font-family:"Arial",sans-serif; color:#323232"><a href="tel:866-544-6175" value="+18665446175" target="_blank">866-544-6175</a> |
</span><span style="font-size:8.0pt; font-family:"Arial",sans-serif; color:#e36c0a"><a href="http://willyou.capital.edu" target="_blank">willyou.capital.edu</a></span><span style="color:black"><u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:black"><a href="http://www.facebook.com/CapitalFinancialAid" target="_blank"><span style="font-size:8.0pt; font-family:"Arial",sans-serif">www.facebook.com/CapitalFinancialAid</span></a><u></u><u></u></span></p>
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