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At a minimum , such mechanisms must include ( a ) readily available and affordable independent recourse mechanisms by which each individual 's complaints and disputes are investigated and resolved by reference to the Principles and damages awarded where the applicable law or private sector initiatives so provide ; ( b ) follow up procedures for verifying that the attestations and assertions businesses make about their privacy practices are true and that privacy practices have been implemented as presented ; and ( c ) obligations to remedy problems arising out of failure to comply with the Principles by organizations announcing their adherence to them and consequencesfor such organizations . Citizenship education is crucial to developing and reinforcing each individual 's personal sense of worth and responsibility and to building a robust civil society in which individuals have the knowledge , skills and capacities needed to fully engage in the democratic institutions and processes of their community and country . For example , the report discusses " customized employment , " tailored to each individual 's needs ; an emphasis on integrated employment ; and expanding the network of collaborations that are the foundation of DOL 's One-Stop Employment Centers . " This suggests that the sume total of each individual 's life experiences ifroms the way in which we view a piece of art , or why the artist paints a scene the way he does ( or how we interpret a play or a movie ) . Determining how much debt is too much depends on each individual 's financial circumstances at that point in his or her life , Siegel said .