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“Financial literacy is not an end in itself, but a step-by-step process. It begins in childhood and continues throughout a person's life all the way to retirement. Instilling the financial-literacy message in children is especially important, because they will carry it for the rest of their lives. The results of the survey are very encouraging, and we want to do our part to make sure all children develop and strengthen their financial-literacy skills.”

“The use of online assessment tools is giving teachers a more fine-grained understanding of individual students' skills, and assisting them to determine the necessary next steps to enable them to achieve their own learning goals. We are seeing more effective differentiation in classrooms as a result.”

“The greatest successes grow out of great failures. In numerous instances the result is better that comes after a series of abortive experiences than it would have been if it had come at once; for all these successive failures induce a skill which is so much additional power working into the final achievement.... The hand that evokes such perfect music from the instrument has often failed in its touch, and bungled among the keys.... Every disappointed effort fences in and indicates the only possible path of success, and makes it easier to find.”

“Almost everything we'll ever do in life that is really powerful, that really produces a result in our lives, that quantum-leaps us to a new level . . . requires us to do something uncomfortable. It takes risks to achieve. It's often scary. It requires something you didn't know before or a skill you didn't have before. But in the end, it's worth it. As former Congressman Ed Forman says, 'Winners are those people who make a habit of doing things losers are uncomfortable doing.' Make today your day to start that uncomfortable new habit.”

“A demanding performance challenge tends to create a Team. In any situation requiring a combination of multiple skills, experiences and judgments, a team inevitably gets better results than a collection of individuals. Teams provide the kind of responsiveness, speed, on-line customization and quality that is beyond the reach of individual performance.”