As this document explains, we and our partners are now implementing a programme that combines laying firm foundations for sustainable improvement with other initiatives designed to have more immediate impact. The FSA alone will spend up to £10 million this year in supporting the programme. Taken together, these initiatives will reach many millions of people over the next five years. The programme takes specific account of the needs of people who may be excluded from the financial system. For example, we are working with organisations that provide outreach services to young adults not in education, employment or training, and we are giving seed funding to organisations to improve the financial capability of.
