Search:   Spelling

Sub-Topics Budget Deficit Living Wage Medicare Outsourcing Jobs Overseas Retirement Social Security Wealth and Happiness Also Try Business Economy Archives Investments Lesson Plans Lesson Plans on the Economy (Federal Reserve Bank of San Francisco) Provides over a dozen lessons. 9-04 Materials Cost of Living in Major Cities (Realtor.com) Provides average cost of living in major cities within the United States. 7-03 Minimum Wage Calculator (Economic Policy Institute) Provides an interactive tool to help a person determine the minimum wage for a single person or a couple, with or without children. 7-03 Minimum Wage Calculator (Solfopro.com) Provides an interactive tool to help a person determine the minimum wage for a single person or a couple, with or without children. 7-03 Minimum Wage Calculator for a Family of Four (NCCBUSCC.org) Provides minimum costs for a family of four. Shows that the poverty line, set at $18,100, is below the minimum. 7-03 Salaries by Profession and Location (Realtor.com) Provides salary range for professions by location within the United States. 7-03 News -03-03-07 Value of Top Financial Firms Drops (Bloomberg.com) "Goldman Sachs Group Inc., Merrill Lynch & Co. and Morgan Stanley, which earned a record $24.5 billion in 2006, suddenly have become so speculative that their own traders are valuing the three biggest securities firms as barely more creditworthy than junk bonds." 03-07 -03-04-07 Tardiness Wasts Billions (ABC News) "A recent survey found 15 to 20 percent of the U.S. population is "consistently late," especially when it comes to work." "Chronic lateness isn't just annoying — it's expensive." 03-07 -03-13-07 Stocks Drop on News of Mortgages Report (CBS News) "Stocks tumbled Tuesday as news came that late mortgage payments shot up to a 3½-year high in the final quarter of last year and new foreclosures surged to a record high as borrowers with tarnished credit histories had trouble keeping up with their monthly payments." 03-07 -03-15-08 Americans Feeling Economic Pain (PBS.org) "Today, another quite a day, on top of a week of -- already we've seen a lot of turmoil in the economy. Today, David Wessel, the stock market fell almost 200 points. You had what is apparently an unprecedented bailout by the Federal Reserve of the nation's fifth-largest investment bank." "Is the economy even worse off than we thought a few days ago?" 03-08 -03-26-08 Dollar Free Fall Is Ending (Christian Science Monitor) "The greenback has bounced back a bit after hitting a record low against the euro last week." 03-08 -03-30-06 Largest Firms in the World (BBC News) "An all-American top four still leads the latest annual Forbes Global 2000 list of the world's biggest companies." 03-06 -04-04-08 Poll: 81% Say Country Going in Wrong Direction (CBS News) "Americans' views on the economy and the general state of the country have hit an all-time low in the history of the CBS News/New York Times poll. Eighty-one percent of those polled say the country is on the wrong track, while only 14 percent believe it is heading in the right direction." 04-08 -04-09-08 World's Largest Companies (ABC News) "In total, the global 2000 companies now account for $30 trillion in revenues, $2.4 trillion in profits, $119 trillion in assets and $39 trillion in market value. Around the world, 72 million people work for these companies." 04-08 -04-10-07 Forecast for Foreclosures (MSNBC News) "Colorado registered the second-highest rate in February, with one foreclosure for every 345 households, while Florida took third place, with one filing for every 382 homes. Others ranking among the country's top 10 states for foreclosures were Georgia, Michigan, Tennessee, Ohio, Texas, Arizona, and Indiana." 04-07 -04-10-07 HUD Auditors Find Widespread Fraud (MSNBC News) "Today, as inspector general for the Department of Housing and Urban Development, [Kenneth] Donohue is looking into fraud and abusive lending practices related to mortgages insured by the Federal Housing Administration." "Do you think the worst of the problem in the mortgage market is behind us?" "That’s a very good question. You almost have to have a crystal ball. Are we looking at the tip of the iceberg or the iceberg itself? It’s too soon to say." "I think there are things that need to be done. FHA has to realize that there has to be active oversight and enforcement. I don’t see it moving in that direction. My concern is that I see it moving in the other direction." 04-07 -04-17-08 World's Largest Brokerage Reports Steep Losses (ABC News) "Merrill Lynch & Co., the world's largest brokerage, on Thursday said it would cut 4,000 jobs after more than $6.5 billion of fresh write-downs pushed it to a loss for the first quarter." 04-08 -05-14-07 U.S. Firm to Buy Chrysler Majority (BBC News) "US private equity firm Cerberus Capital Management is to buy a majority stake in car firm DaimlerChrysler's ailing US Chrysler arm." 05-07 -06-05-06 Stocks Plunge (CBS News) "But as CBS News correspondent Anthony Mason reports, the Dow has now lost almost 600 points since early May. What is happening is part of two larger concerns — only one of which is inflation." 06-06 -06-06-06 Ports Go Deeper (Christian Science Monitor) "In a bid to stay competitive, Boston and other ports consider plans to dredge 50-foot channels." 06-06 -06-08-06 Stocks Suffer Worst Week of the Year (USA Today) "Wall Street finished its worst week of the year with a moderate decline Friday as persistent unease over inflation and interest rates kept investors nervous about buying. The major indexes ended the week sharply lower." 06-06 -06-11-06 Reasons to Worry About the U.S. Economy (New York Times) "In short, the federal government seems to have much larger unfinanced liabilities than official data imply. If you compare the present value of all projected future government expenditures, including debt-service payments, with the present value of all projected future government receipts, the gap is about $66 trillion, according to calculations by the economists Jagadeesh Gokhale and Kent Smetters. That's almost eight times the size of the official gross federal debt." 06-06 -06-14-06 GAO: FEMA Pays $1.4 Billion in Fraudulent Claims (ABC News) "Close to $1.4 billion worth of fraudulent charges were laid out today in a scathing report from the Government Accountability Office (GAO), the investigative arm of Congress." "To show just how easy it was to defraud FEMA, the GAO had an undercover agent use a bogus address to apply for rental assistance. And FEMA paid $2,348, even after the agency learned from its inspector the address was phony." 06-06 -07-30-07 Foreclosures Rise 58 Percent in 2007 (MSNBC News) "The number of U.S. homes facing foreclosure surged 58 percent in the first six months of the year, the latest sign of mounting problems in the mortgage industry, a data firm said Monday." 07-07 -07-31-07 American Home Shares Fall 90 Percent (MSNBC News) "Shares of American Home Mortgage Investment Corp. plunged 90 percent Tuesday after the company raised fears it may become insolvent, renewing concern about worsening credit quality in the mortgage market and killing a Wall Street rally." 07-07 -07-31-07 US Credit Woes Ripple Across the Globe (Christian Science Monitor) "It's a good thing that the world economy had a head of steam going into this summer, because it now faces financial headwinds made in the USA." "On Monday, shares of the German industrial bank IKB plummeted as the bank announced its earnings would be hit hard by the rising default rate of American subprime home loans." 07-07 -08-07-07 A Theory of Affluence (New York Times) "For thousands of years, most people on earth lived in abject poverty, first as hunters and gatherers, then as peasants or laborers. But with the Industrial Revolution, some societies traded this ancient poverty for amazing affluence." "Historians and economists have long struggled to understand how this transition occurred and why it took place only in some countries. A scholar who has spent the last 20 years scanning medieval English archives has now emerged with startling answers for both questions." 08-07 -08-11-07 Subprime Contagion Is Spreading (Bloomberg.com) "The $2 trillion market for mortgages not backed by government- sponsored agencies is at a standstill. That's just the beginning. Other types of mortgages are suffering. So are firms and banks that package the debt for investors. The ripples were felt in Europe and Asia, where central banks offered cash to banks amid a credit crunch. And some corporations, from countertop makers to railroads, are blaming the mortgage meltdown and housing slump for earnings that fell short of analysts' estimates." 08-07 -08-12-07 How U.S. Credit Problems Went Global (Time.com) "Anyone who clinged to the notion that the risks lurking in America's mortgage pool were a local concern has now been proven wrong. The U.S. subprime mortgage market — turned sour by borrowers with poor credit struggling to meet payments as interest rates rise — is fast becoming a global worry. With huge chunks of this debt packaged up and sold to financial companies across the world, bad loans are roughing up banks and markets just about everywhere." 08-07 -09-16-07 Greenspan Warns of "Turbulent" Times Ahead (ABC News) "Former Fed Chairman Alan Greenspan predicts in a new book out Monday that the Fed will have to raise interest rates to double-digit levels in coming years to thwart inflation." "In his 531-page book, the former Fed chairman sharply criticizes President Bush for not vetoing bloated spending bills and for continuing to focus on issues, such as adding prescription drug benefits to Medicare even though the budget surplus of just a few years ago had disappeared and deficits were mounting." 09-07 -09-19-07 How Lowering the Federal Interest Rate Impacts Us (PBS.org) "Reacting to a tough housing market, job losses and weak retail sales in August, the Federal Reserve cut its benchmark interest rate by a half point on Tuesday. The decision, which impacts the lending rate between banks, immediately cut the interest rate from 5.25 percent, where it has stayed since May 2006, to 4.25 percent. Our guest answered questions about how the rate cut and financial markets will affect your money." 09-07 -09-25-07 How the Falling Dollar Affects Americans (Christian Science Monitor) "US consumers' standard of living may drop as they pay more for foreign goods, but demand for American labor will rise, say economists." 09-07 -10-30-06 GAO Chief: U.S. Headed toward Economic Disaster (ABC News) "What they [politicians] don't talk about is a dirty little secret everyone in Washington knows, or at least should. The vast majority of economists and budget analysts agree: The ship of state is on a disastrous course, and will founder on the reefs of economic disaster if nothing is done to correct it." 10-06 -10-30-07 Merrill Lynch Searches for New Leadership (New York Times) "E. Stanley O’Neal, the embattled chairman and chief executive of Merrill Lynch, stepped down from the brokerage firm today, capping a tumultuous 10 days that included a significant quarterly loss and write-down." 10-07 -11-29-06 Three Pillars of the Economy Drop (MSNBC News) "Three pillars of the economy — consumer confidence, orders for manufactured goods and home prices — showed surprising cracks on Tuesday, flashing signals that growth may slow more heading into the important holiday shopping season." 11-06 In Your 20's: See How Your Wealth Measures Up (MSN MoneyCentral) "Older folks who are nostalgic about their 20s often forget, or gloss over, how very, very broke many people are at this age:" 11-06 Papers -11-20-06 Home Prices Drop (USA News) "Home prices fell in at least 45 metropolitan areas in the third quarter as the real estate slowdown spread beyond industrial cities, where job losses have taking their toll on housing, to inflated markets in Florida, California and Arizona." 11-06 Alternative Proposals for Economic Stimulus (CNN - Jackson) Five key proposals to stimulate the economy include the following:  1. "Speed up tax cuts. The idea is to move up to 2003 some of the federal income tax cuts already on the books, possibly the across-the-board rate cut now set for 2004...." "But it would benefit upper-income taxpayers most. Taxpayers making $1 million a year would get an average reduction of $19,557" while "taxpayers making between $30,000 and $40,000 a year would get only $146." 2. "Cut taxes on dividends." "Making corporate dividends tax-free to individuals would pump billions into the economy, and also make it easier for corporations to raise funds to invest and create jobs in the future, experts say." "Taxpayers making $1 million or more would get $27,097, while those making $30,000 to $40,000 would get $42." 3. "Extend unemployment insurance benefits. At the end of December, the struggling economy suffered another setback when almost 800,000 people lost the extended unemployment insurance benefits that Congress had provided as a counter-recession measure." "Renewing those benefits would be -- dollar for dollar -- an even more effective stimulus measure than tax cuts, according to many economists. The reason is that jobless workers tend to spend every dollar of their benefits." 4. "Payroll tax cut. "As an alternative to speeding up cuts for upper-income taxpayers, some have proposed a cut in payroll taxes, which are paid by every worker starting on the first dollar earned. A temporary payroll tax cut could provide a big economic stimulus: just exempting workers from payroll taxes on the first $10,000 of income for one year could pump $100 billion into the economy. For taxpayers making $1 million it would produce a cut of $1,137, while for those making between $30,000 and $40,000 a year it would bring a cut of $788." 5. "Fiscal aid to states. A fiscal crisis at the state level is threatening to drag the economy down." "Economists estimate the combined budget gap of all the states as high as $70 billion. The National Governors Association calls it the worst fiscal crunch since World War II." "Some states are laying off workers, adding to unemployment. Some are raising taxes, partially offsetting the economic benefit of cuts in federal taxes." In summary, the first and second proposals will mainly help the wealthy. The third proposal will mainly help the poor. The fourth proposal will help wealthy, middle-class, and poor in almost equal amounts. The fourth proposal, a payroll tax cut, will also be a strong stimulus to the economy. 1-03 Ask the Economist (Federal Reserve Bank of San Francisco) Provides answers to commonly asked questions about the economy. 9-04 Bankruptcy Rules Toughen (Christian Science Monitor) "For better or worse, the use of personal bankruptcy to make a fresh start is about to be sharply curtailed." "Legislation moving through the Senate this week is, to backers, a long overdue tightening in an era of rising indebtedness and bankruptcy declarations." 3-05 Budget of the United States for 2005 (Whitehouse.gov - Bush) "Budget of the United States Government, Fiscal Year 2005 contains the Budget Message of the President, information on the President’s budget and management priorities, and budget overviews organized by agency, including assessments of their performance." 2-04 Budget of the United States for 2005 (Whitehouse.gov - Bush) "Budget of the United States Government, Fiscal Year 2005 contains the Budget Message of the President, information on the President’s budget and management priorities, and budget overviews organized by agency, including assessments of their performance." 2-04 Budget of the United States for 2005 - Overview (Whitehouse.gov - Bush) Provides a short summary of President Bush's budget, including charts and graphs. According to the President, "The President’s 2005 Budget continues to support and advance three overriding national priorities: winning the war on terror, protecting the homeland, and strengthening the economy." 2-04 Bush Tax Plan Created Jobs Overseas Instead of USA (Washington Times) "The job market slumped back into stagnation last month with the unemployment rate stuck at 5.6 percent and only 21,000 jobs created, a development that spells trouble for President Bush's re-election effort."   "The president sought to jump-start a job recovery with $350 billion in tax cuts last year but the response has been only weak and dwindling job gains." " 'The tax cut gave a big increase to spending, but when folks go to Wal-Mart, they buy imported goods so the job growth goes to China' and other countries, he [Morici] said." 3-04 Consumer Price Index and Other Leading Indicators (ACCRA) Provides the CPI and other leading indicators of the health of the economy, such as increase or decrease on Unemployment Rate, Payroll Employment, Average Hourly Earnings, PPI, ECI, Productivity, and the U.S. Import Price Index. 12-02 Cost-of-Living Calculator (American Institute of Economic Research) Provides a map with labor statistics in each state. 12-02 Currency - A History (Federal Reserve Bank of San Francisco) Provides a history of currency within the United States. 9-04 Debts - Consumer Debt (CBS News) "Consumer debt has more than doubled in the past 10 years to record levels, making it hard for many families to cope." "Consumer debt hit a record $1.98 trillion in October 2003, according to the most recent figures from the Federal Reserve. That debt — which includes credit cards and car loans, but not mortgages — translates to some $18,700 per U.S. household." 1-04 Defining a "Living Wage" (TomPaine.com) Describes efforts to define and then promote a "living wage" as the minimum that government workers and others should be paid. 7-03 Editorial: Outrageously Overpaid CEOs (MSNBC News - Brush) "Here’s the pantheon of execs whose paychecks soar while their companies suffer. Also: 5 who produce stellar results for a comparative pittance." 8-05 Editorial: Price Gouging With Gas - Worry Later (Slate.com - Goolsbee) "If gas prices did not rise across the country now, in fact, the short-term impact would be disastrous. Demand would vastly exceed the current supply. As people continued to buy as much or possibly more gas, stations around the country would run out because wholesalers would refuse to supply them at the lower price. Families who'd driven off on Labor Day trips would still be stuck out on the highway, looking for a place to fill up." "Somehow, hunts for gas gougers always seem to start at the wrong time." 9-05 Editorial: Why Gas Prices Are High (MSNBC - Markman) "Refineries are large, smelly, unattractive plants that “crack” crude oil’s hydrocarbons into the stuff that makes modern life go, such as heating oil, kerosene, jet fuel, the feedstock for plastics, diesel and automotive gasoline. Few U.S. states have ever wanted these noxious beasts on their coastlines, so the ones built in loosely regulated Louisiana half a century ago make something like half of all the refined crude oil products in the country. When Katrina blasted through, her high winds and storm surge knocked these plants for a loop, and the partial shutdown caused 10% of the nation’s entire supply of gasoline to vanish in a weekend." 9-05 Essay - Defining a "Minimum Wage" (AlterNet.org) "The current minimum wage of $5.15 an hour is lower than the real minimum wage of 1950 ($5.71)." "It would take $8.45 to match the minimum wage peak of 1968 in 2003." "Plenty of employers know how to make a profit without ripping off their employees. In-N-Out Burger ranks first among fast food chains in quality, value and service." "The starting wage is $8.25 an hour, with paid vacations, food at work, and the option of participating in a 401(k) with a company match." 7-03 Essay - Why Johnny Can't Choose (Federal Reserve Bank of Minneapolis - Dahl) Provides six concepts are the foundations to understanding the economy. 1-03 Federal Reserve System (Federal Reserve Bank of San Francisco) Describes the Federal Reserve System for college undergraduates. 9-04 Getting Ahead Harder for Twenty Somethings (MSN MoneyCentral) "Many parents wonder why their kids can’t just grow up, buy a home, start a family and live without debt. They don’t realize how much the economic context has changed." 02-06 Greenspan: Reduce Social Security Benefits (CNN News) "Federal Reserve Chairman Alan Greenspan urged Congress on Wednesday to deal with the country's escalating budget deficit by cutting benefits for future Social Security retirees rather than raising taxes." "In testimony before the House Budget Committee, Greenspan said the current deficit situation, with a projected record red ink of $521 billion this year, will worsen dramatically once the baby boom generation starts becoming eligible for Social Security benefits in just four years." "In his prepared testimony, Greenspan said pushing taxes up enough to meet future spending promises under Social Security and Medicare might pose a risk to the overall economy." " 'We are going to be confronted ... in a few years with an upward ratcheting of long-term interest rates which will be very debilitating for long-term growth,' Greenspan told the committee if the deficit problem is not addressed." 2-04 Jobs Available in 2006 (MSN Careerbuilder) "These 25 occupations account for 8 million new jobs and about 40 percent of total job growth over the next decade. They are from a broad range of industries requiring varying degrees of training and salaries. Here are the top 25 jobs for 2006, as reported by the BLS:" 12-05 Labor Statistics by State (U.S. Department of Labor) Provides a map with labor statistics in each state. 12-02 Labor and Economic Statistics (U.S. Department of Labor) Provides comprehensive information on the economy. Includes the Consumer Price Index, Inflation Calculator, Contract Escalation, Producer Price Indexes, Import and Export Price Indexes, Consumer Expenditures, Price Index Research, Wages, Earnings, and Benefits, Wages by Area and Occupation, Earnings by Industry, Employee Benefits, Employment Costs, State and County Wages, National Compensation Data, Collective Bargaining, Productivity and Costs, Multifactor Productivity, International Comparisons, Injuries and Illnesses, Fatalities, International Import and Export Price Indexes, Foreign Labor Statistics, International Technical Cooperation, Occupational Outlook Handbook, Occupational Outlook Quarterly, Employment Wages by Area and Occupation, Injuries, Illnesses, and Fatalities, Employment Projections, Standard Occupational Classification (SOC), Demographic Characteristics of the Labor Force, Geographic Profile of Employment and Unemployment, Consumer Expenditures, Injuries, Illnesses, and Fatalities, Longitudinal Studies, and more. 9-05 New $50 Bill Released (CBS News) "Security features include an embedded thread that glows yellow when exposed to an ultraviolet light; ink that changes color - from copper to green - when the note is tilted; watermarks visible when held up to light; and hard-to-replicate microprinting. In one spot, the tiny words 'United States of America' appear on Grant's collar, under his beard." 9-04 New $50 Bill Released (MoneyFactory.com) Provides copies of new $50 and $20 for students and others to study. These copies were provided by the U.S. Treasury for this use. 10-04 Poverty and Uninsured Ranks Swell (MSNBC News - Wolk) "The nation’s poverty rate rose for a third straight year in 2003 and the ranks of the uninsured swelled, the Census Bureau said Thursday in a report sure to fuel election-season debate over President Bush’s handling of the economy." "The poverty rate has risen from a recent low of 11.3 percent in 2000, meaning an additional 4.3 million people are living in poverty as defined by the government." "Based on the census numbers, real income has fallen by about $1,500 per household over the past three years, and the ranks of the uninsured have risen by more than 5 million, Kerry said." 8-04 Small Children Die from Poverty (WashTimes.com) "The World Health Organization (WHO) says nearly 11 million children under age 5 die each year from easily preventable and cheaply cured diseases — including pneumonia, diarrhea, malaria and complications during the first year of life." "It costs just 2 cents for a six-month supply of vitamin A supplement, 15 cents for a five-day course of antibiotics to treat pneumonia and $15 to immunize a child against the six main childhood diseases, according to the U.S. Coalition for Child Survival."  "A bed net, treated to kill and repel malarial mosquitoes, costs less than $10." "The United States spent $1.7 billion on global health, education and population programs in 2001, according to rough calculations based on figures from the Organization for Economic Cooperation and Development. France was the second-biggest spender, with $1.1 billion in aid, followed by Germany at $1 billion and Japan at nearly $800 million." 9-03 Some May Save $.30 a Gallon on Gas (MSNBC News) "Car manufacturers -- especially GM, Ford and Chrysler -- have put literally millions of what are known as flexible-fuel vehicles on the road. These cars and trucks can burn either plain old gasoline or a mixture of gasoline and ethanol, a type of alcohol. The mix is known as E85." 10-05 Stock Market Meltdown: Some Advice (US News) "Wall Street might be in a panic, but here's how you can keep calm and maybe even profit" 08-07 Tax Cut Will Help Some (MSNBC News) "That tax-cut measure passed by Congress this week will boost the nation’s gross domestic product by about 1 percent over the next year, welcome news for an economy that has been bumping along at a sluggish growth rate of less than 2 percent in recent months. But economists are divided on whether the $350 billion fiscal stimulus program will be sufficient to get the economy growing fast enough to reverse rising unemployment." 5-03 Technology Meets Drive-Thru (CNN News) "To help cut the waste from leftovers, Pittsburgh-based Hyperactive Technologies developed a computer system that tells managers how much food they need to prepare by counting vehicles in the line and factoring in demand for current promotions and popular staple items." "The system, called Hyperactive Bob, cuts preparation time and eliminates up to 60 percent of waste, said Joe Porfeli, the company's chief executive, who said two major national chains use the service. He declined to give their names." 01-06 Tennessee to Reward Companies for Not Outsourcing (USAToday.com) "The new law asks state procurement officials to give preference in bids for such services to contractors employing workers only in the United States. It was approved overwhelmingly by lawmakers last month and signed into law last week." 5-04 The Coming Generational Storm (MIT Press - Kotlikoff) Provides predictions on the future of the U.S. economy. Kotlikoff claims that the U.S. is currently bankrupt and that its actual debt is over 50 trillion dollars. 11-04 Three Trillion Dollar War (Democracy Now) "One week after President Bush rejected charges the war in Iraq has hurt the US economy, a new book puts a conservative estimate of the war’s cost at $3 trillion so far. In their first national broadcast interview upon their book’s publication, Nobel laureate and former chief World Bank economist, Joseph Stiglitz, and co-author Linda Bilmes of Harvard University say the Bush administration has repeatedly low-balled the cost of the war—and even kept a second set of records hidden from the American public." 03-08 U.S. Infrastructure in Disrepair (CBS News) "America's infrastructure is full of cracks, leaks and holes and is getting worse, according to an analysis by civil engineers that gives the nation's transportation, water and energy systems an overall grade of D-plus." "A report by the American Society of Civil Engineers released Thursday said the condition of 12 categories of infrastructure hasn't improved in the past two years.""Schools received the worst grade — D-minus — from the engineers, who said three out of four school buildings are inadequate. They estimate it will cost more than $127 billion to build new classrooms and modernize outdated schools." 9-03 Projects Consumer Price Index - Definition and Examples (Federal Reserve Bank of Minneapolis) Provides exercises on working with the consumer price index (CPI). 10-04 Discussions About Money (Federal Reserve Bank of Minneapolis) Provides discussion questions and resources. 1-05 Learn About Money (Federal Reserve Bank of San Francisco) Provides a game or project where children learn about how money works in Fedville, a small town. 9-04

Italian, Russian, Greek, Portuguese, Chinese, Japanese, Korean,   Index, New, Search Engines, Dictionary, Bookstore, Licenses, Email Us, About Us, Link to Us, or Privacy Policy.