One thing that we observed, after cross-referencing the survey's data, was that people who are employed are generally better trained. It is the unemployed, the people who are out of work, who are having problems. That is why we limited ourselves to three recommendations calling for very concrete actions to be taken. People are out of work, we are in the throes of a recession and those affected need basic literacy and numeracy courses. People need the financial skills to function in today's world.
