1. To what degree do companies have an obligation to provide financial education programs to alleviate employees’ stress? Explain your answer.
2. Referring back to Exhibit 9.2, to what degree do you think an employee who is experiencing a considerable amount of financial stress might exhibit some of the behavioral and cognitive outcomes listed in the far-right section of the model? 
3. Though not extremely expensive, financial education programs still cost organizations money and resources to organize and administer to employees. In your opinion, why do organizations like McLeod Health and Therm-O-Disc offer these programs? What returns of investment can these two organizations expect from having employees who become better at managing their finances?