1. Are you pleased or disappointed with your financial situation? What steps are you taking to get on sounder footing? What are your short-, medium-, and long-range goals? Why does financial planning require flexibility? 2. Why is it true that it is never too soon or too late to start working on improving a financial situation? 3. What is your potential liability if your debit card is lost or stolen? What is your potential liability if your credit card is lost or stolen? In either case, what should you do first