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- 1. A Note to Readers
- 1a. Methodology
- 1b. Introduction
- 2. Highlights from Study
- 2a. Executive Summary
- 2b. Changes in Personal Financial Status: Spending and Savings
- 2c. Comfort Level in Current Financial Situation and Future Expectations
- 2d. Changes in Financial Obligations
- 2e. Effects of Economic Changes
- 2f. Future Financial Risk
- 3. Conclusion
- 4. Research Management
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