I only hope our education system goes back to basics. Balancing your personal finances, understanding your decisions made today impact your future and proper nutrition and how food relates to everything. The USA is so far behind in the basics, things you wouldn't think need to be taught but do.   People are saying PFD impacts retail layoffs and the Governor is the reason, seriously we are so screwed if our common sense doesn't make a turn. If you thrive or fail because of PFD or think this is a result of PFD you need to find your  6th grade teacher and ask why you missed the basics...go back to skool, scul, skuel.  Save your PFD for an emergency, stop eatting fast food and try to understand the bigger picture.