This annual publication contains 66 presentations, poster sessions, papers, and panel and workshop sessions. Invited and refereed papers are as follows: "View from the States" (Humphrey); "Consumer Policy Perspectives" (Byrne); "Consumers' Response to Credit Card Solicitations" (Hogarth, Shue); "Welfare Impact of Apparel Price Increases" (Fan et al.); "Consumer Satisfaction with Vehicle Leasing" (DeVaney, Bechman); "Why We Need Economic Insights to Know What's Good for Us" (Morgan); "Economic Impact of Widowhood in the 1990s" (Holden, Zick); "Beyond Control? Understanding Consumer Behavior Using a Measure for Consumer Locus of Control" (Busseri et al.); "Who Leaves the Farm?" (Kolodinsky, Pelch); "Paid and Unpaid Contributions of Wives to Family Businesses" (Rowe, Hong);"Retirement Savings of Nonfarm Self-Employed Workers" (DeVaney et al.); "Consumption Patterns of Asian-Canadians and Canadian-Born" (Sharpe, Abdel-Ghany); "Chinese Adolescent Consumer Socialization" (Cao et al.); "Decision-Making Styles of Young-Adult Chinese Consumers" (Fan et al.); "Experiential Consumption" (Friedman); "Indicative Measures of Health Risk Information on Fat and Cholesterol for U.S. and Japanese Consumers" (Kim, Chern); "Economic Security Issues of Married Couples versus Unmarried Couples" (Dolan, Stum); "Who Gets It Right?" (Kolodinsky et al.); "Fresh Vegetable Prices" (Eastwood et al.); "Effects of Consumer Beliefs on Responses to Pesticide Residue Concerns" (Deodhar et al.); "Using Positive Behavioral Models to Help Older Consumers Avoid Victimization by Confidence Swindlers" (Friedman); "Consumer Protection in South Korea" (Joo); "Financial Difficulty Measured as Monthly Deficit" (Williams); "Overspending Behavior of Households with and without Vehicle Purchases" (Jayathirtha et al.); "Information as a Key Determinant of Medicaid Managed Care Health Plan Enrollment" (Morton); "Event History Analysis of the Retirement Process" (Kolodinsky); "Financing Long Term Care" (Stum); "Elderly Volunteers" (Kim, Hong. Selected other papers are as follows: "Who Gets Grandma's Yellow Pie Plate? A Consumer Education Program Addressing the Transfer of Non-titled Property" (Stum); "Credit Card Behaviors of University Students" (Allen, Jover); "Divorce Education" (Fletcher et al.); "Do Employee Wellness Participants Incur Lower Health Care Costs" (Haynes et al.);"Employers Pay Dearly for the Poor Personal Financial Behavior of Employees" (Garman, Leech); "Delivering Useful Information for Consumers" (Lee); "Privacy Issues on the World Wide Web" (Dolan et al.); and "Mentor's Advice: How to Get Hired, Tenured, and Promoted" (Xiao et al.). (YLB)