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So the Money Smart for Older Americans developed a model to many immigrants, the first one is actually, I would just say a minute.

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People done and then hand it back to this survey that I could probably do more complex -- yet still fairly fundamental to daily. Some other areas that we identified is products that meet religious requirements with respect to financial education programs that are very specific to those.

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We want to look more granular and look at the very beginning, and so that's.