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I always have mixed emotions when it comes time to dig into our annual research on employee financial issues. On the one hand, there’s excitement in knowing whatever we uncover helps employers determine their employees’ most pressing financial concerns; however, we sometimes find facts that make me uneasy. In 2010, we were pleasantly surprised to see employees making significant improvements in their financial situations — even more than we had anticipated. They were planning for their future and focused on working toward their personal recoveries, proving to be the shining light of the economic recovery as a whole.

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