Len, critical thinking is just as important as personal finance if not more so. If we had responsible leadership, we wouldn't have companies taking their businesses overseas. We wouldn't allow them to rape us either. And we would have our leaders working for us rather than the other way around. Personally, if I had a choice between a class on critical thinking and one on personal finance, I'd choose critical thinking, but I'd sure as hell like the idea of an elective course in personal finance. Wait just a darn minute, Wendy. I want both.