These proceedings contain 25 presentations, some of which are followed by discussants' papers. They include: "Comparative Approaches to Welfare" (Badir); "More for Less: Low Cost of Universal Access to Health Care in Canada" (Barer); "Consumer Issues and Concerns in Health Care Provision" (Brown); "Low Cost of Universal Access: Reaction from the Medical Profession" (Bell); "Issues and Concerns--British Columbia Ministry of Health" (Pallan); "Divorce: Economic Consequences after Ten or More Years of Marriage" (Rowe); "Mobile Families' Satisfaction with Economic and Personal Factors and Its Relation to Stress" (Berger; discussants Ash, Harvey);" The Conservation Process: A Model and Preliminary Test" (Longstreth; discussant Haldeman); "Western Regional Proceedings: Contents in the 1980s and References to the Papers" (Makela, Tucker; discussants Baker, Beard); "The Personal Financial Effects of Serious Work Injury" (Ray, Horton; discussants Douthitt, Lown); "Relationships between Household Task Allocation and Perceived Stress in Nonmetropolitan Families" (Ward, Zimmerman; discussants Kingsbury, Olson); "Predictors of Search Time for the Purchase of a Home Furnishing Durable Good" (Ackerman, Windley); "Family Debt Management in Bankruptcy" (Bartelme, Baker); "Patterns of Family Financial Management" (Davis); "Analysis of the Effects of Children on the Trade-Off between Parental Time and Market Purchased Goods & Services Over the Life Cycle" (Douthitt, Fedyk); "Factors Related to Receiving Informal Grants: Study of Rural Families" (Haldeman, Tomcala, Hall); "Health, Self-Esteem, and Youth Employment" (Holyoak, Wolfe); "Financial Management Practices Influencing Perceived Adequacy of Consumption Level among Married Student Wives" (Jeries); "Towards a Conceptual Understanding of Financial Problems: Building on Hughes' Model of the Family in Financial Crisis" (Lown, Cook); "Development and Application of an Underemployment Classification System for Women in Two-Child Families" (Masuo); "Future of Retirement: The Baby Boom Generation" (Mileham); "Playing the Numbers Game" (Peterson); "Teaching Writing through Management Theory" (Peterson); "Implications of Marital Property Legislation for Financial Management of Remarried Families" (Metzen); and "Divorcing Couples Need Financial Information and Education" (Morrow). (YLB)