This document contains 4 invited papers, 21 refereed papers, 15 reports accompanying refereed posters, 8 reports from invited paper sessions, and 4 reports from invited panel sessions. Selected papers are as follows: "Managed Care Benefits Consumers" (Smith); "The Paradox of Managed Care" (Lieberman); "How Much Is Enough: Feasibility of Welfare to Work for Single Mothers" (Newman, Sharpe); "The Health Sector in Contribution to a Rural Economy: Western New York Region" (Morton, Bills, Kay); "Social and Economic Indicators for Montana Counties" (Haynes, Abdel-Ghany); "Relative Deprivation in Human Capital Investment in Urban Poor and Middle Class Households in Inchon, Korea" (Yoon, Sharpe); "Factors Related to Risk Tolerance: A Further Examination" (Grable, Joo); "Information Disclosure and Consumers' Understanding: A Case Study of New Leasing Disclosures" (Blaine, Hogarth, O'Donnell); "Determinants of Consumer's Debt Repayment Patterns" (Zhang, DeVaney); "Do Consumers Know the Price of Credit? A Comparison of Consumers' Knowledge of Open- and Closed-end Credit" (Lee, Hogarth); "Determinants of Planned Retirement Age" (Yuh, Hanna, Montalto); "Employee Wellness Program Impact on Health Care Costs: Do Participation and Intensity of Participation Matter?" (Haynes, Dunnagan, Smith); "Factors Influencing Flextime Usage among Employed Married Women" (Billings, Sharpe); "The Impact of Health on Consumer Acceptance of Biogenetic Foods: The Case of Celiac Disease Sufferers" (West, Lamontagne, Galibois, Larue); "The Effect of Consumer Label Use on Diet Quality" (Kim, Nayga, Jr., Capps, Jr., Tepper); "Impact Evaluation of a Financial Literacy Program: Evidence for Needed Educational Policy Changes" (Huddleston-Casas, Danes, Boyce); "Developing a Model for the Determinants of Financial Satisfaction: An Exploratory Study" (Joo, Grable); "Protecting Consumer Privacy: Evaluation of an Educational Program" (Kiss, Gorman, Zalenski, Garkey); "All My Money: A Financial Management Curriculum for Persons Working with Limited-Resource Audiences" (Chan, Fitzsimmons, Hardy, Kimmel, Stiles, Taylor); "Tax Breaks for Higher Education: A Fact Sheet for Parents and Students" (Chan, Crawford); "A Comparison of Two Credit Scoring Models: Commercial versus Consumer Education" (Yin, DeVaney); "Educating Consumers about Financing Long Term Care: Opportunities and Challenges" (Stum); "Influencing Issues of the Consumer Interest: Roles and Opportunities for Researchers, Educators, and Partners in the Media" (Bauer, Braun, Olson); and "Open Consumer Education Forum: What Works in Consumer and Family Finance Education" (Olson, Dolan). (MN)