ACKNOWLEDGMENTS
Our thanks are due to all those who participated in the research. We would like to thank members of the research advisory group, Frank Creamer and Sarah Miller, Scottish Government, Jim Lally, Director Scottish Centre for Financial Education, part of Learning Teaching Scotland, Steve Stillwell and Thomas Ward, Financial Services Authority. To those involved in the delivery of specific Scotland-wide financial education programmes; Stewart Ivory Foundation, Chartered Institute of Banking Scotland Financial Education Partnership and Royal Bank of Scotland MoneySense, for their help and assistance.
To all those organisations and agencies that participated in the stakeholder event held on the 19 th September 2008 and to those members of industry, public, voluntary and community based-organisations who were interviewed and commented on the research, we offer our thanks.
Our special thanks are also due to all schools, the teachers and pupils who participated in the survey and who agreed to be interviewed.