in fact, just recently, j.a. high school students participated in an innovation camp at emory university. it was a 24-hour lock-in in which students worked alongside business leaders all night to develop a smartphone to compete with the iphone. the kids created a business plan and a marketing presentation, and then pitched it to a panel of judges, just like professionals do. it was amazing to see these young masterminds in action, and most importantly, they left with a stronger sense of their own ability to make it in the real world. nearly one of every three high school students drops out before graduating. that's a shocking number. but here's a hopeful number. nearly nine out of 10 of our students say j.a. programs helped them to prepare for the working world and to handle their personal finances. fed chairman ben bernanke was so impressed with the training j.a. students get, he helped open our newest j.a. finance park. today's young people, who are tomorrow's homeowners and business owners, need a strong, solid fou