For this chapter's online journal, read the Ethics Challenge noted on page 988 of your textbook.

1. Write a 1/2 page report to a local not-for-profit organization or government agency offering a solution to the "use it or lose it" budgeting problem.

2. Will your solution be different if this was a personal budget? Explain your response.

3. Do you prepare a personal budget?

To receive full credit, you need to answer ALL 3 questions.