These proceedings contain 70 papers and summaries of panel discussions and workshops. Selected titles are as follows: "Consumer Access to Health Care" (Jones); "Credit Education for the Disadvantaged Consumer" (Schuchardt et al.); "The Jouranl of Consumer Affairs" (Herrmann et al.); "The Consumer's Role in a Changing Marketplace" (Edwards); "Developing Curricula in Consumer Affairs" (Widdows); "Developing an Internship Program" (Douthitt); "CRIS (Consumer Response Information System) in Class" (Hay); "What Business Consumer Affairs Professionals Want in Graduates" (Brady); "What Consumer Economics Textbooks Say about Service Contracts" (Ackerman); "Children and Consumer Decision Making a la Carte" (Coon, Peterson); "Adoption of Financial Planning Practices by Midlife and Older Women" (FitzGerald, Foster); "Financial Freeway: A Financial Management Program for the High School" (Haldeman, Crites); "EFNEP Plus: A Money Management Calendar and Education Program for EFNEP Clientele" (McRee et al.); "A Financial Counseling Prototype: Implications for Use of Expert Systems Technology In Extension Programming" (Smith); "'It's One Day at a Time because Tomorrow's Not a Promise': An Audience Analysis for Financial Management Education" (Swanson); "Consumer Interest of Minority Market Segments and Marketplace Problems" (Snuggs); "Federal Government Promotes Minority Consumer Outreach" (Yates); "Cultural Diversity and Consumer Literacy" (Hemphill); "Value of Time in Household Work: Estimates from the NLS Data" (Duncan); "Making Consumer Education 'Green'" (Cude); "Life and Death Health Care Decisions: Legal Rights, Policy Trends, and Consumer Education Challenges" (Stum, Goebel); "Consumers Want a Government Program for Health Care" (Lipsen); "Modeling and Simulation as a Consumer Economics Research Tool" (Widdows, Widdows); "Consumer Decision Making in a Global Context" (Lusby); "Examining the Influence of Values and Lifestyles on Environmental Decisions" (Stum); "Educating and Motivating Consumers to Manage Household Waste" (Bowen); "A Call to Arms: Defending and Strengthening Consumer and Family Economics Programs in the Face of the Budget Stringencies of the 1990's" (Metzen); "Proposed Elimination of the Consumer Economics Program at the University of Maryland" (Dardis); "Teaching Consumer Affairs from a Distance" (Adams); "College Student Time Use and Formation of Human Capital" (Pritchard); "Sharing Ideas for Teaching Intermediate Consumer Economics Micro-Theory Courses" (Weagley, Joesch); "Consumer Economics Professors Should Actually Profess Something" (Garman); and "ERIC Database: Information for the Asking!" (Wagner). (NLA)