I realized after I hit send that I should have changed the subject line from How to get out of Debt to How to teach children not to get into debt. I hope those of you who are parents, or know parents, if you've deleted my letter because you assumed it wasn't relevant to you will retrieve it to see if it is. It may not be. smile. Cindy To unsubscribe from this list send a blank Email to bksvol-discuss-request@xxxxxxxxxxxxx put the word 'unsubscribe' by itself in the subject line. To get a list of available commands, put the word 'help' by itself in the subject line.