The FSA financial capability survey measured different types of financial behaviour and attitudes in five key areas: making ends meet, keeping track of money, planning ahead, choosing products, and staying informed across the UK population. This survey is due to be repeated in 2010 and every four to five years thereafter. Improvements in the level of financial capability require a long-term change in attitudes, habits and behaviour towards money. The National Audit Office has recognised that measuring those changes is inherently difficult. In a recent report4, the NAO suggested “The FSA may be able to build.