LOIS A. VITT is founding director of the Institute for Socio-Financial Studies, and one of the leading U.S. authorities on financial education. Her work has been quoted by Alan Greenspan in testimony before Congress on the state of financial literacy in the United States.

Vitt has directed nationwide studies on financial education in the United States, including Personal Finance and the Rush to Competence: Financial Literacy Education in the U.S. (for the Fannie Mae Foundation); and Goodbye to Complacency: Financial Literacy Education in the U.S. 2000-2005 (for AARP). She is a member of the AARP Business and Aging Education Advisory Board.

KAREN L. MURRELL is president and founder of Higher Heights Consulting and Training and is the creator of several nationally recognized financial education programs. Her company provides financial education services to Fortune 500 companies as well as to private foundations and nonprofit organizations.

Murrell previously held leadership positions at Fannie Mae and the Fannie Mae Foundation where she helped launch initiatives that enabled millions of consumers to become homeowners. She developed financial education publications in nine languages and helped implement a public education advertising campaign in multiple languages. She currently serves as a research fellow at the New America Foundation.