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Amend HCR 15 by striking the Resolving clauses that begin on 
page 3, line 25, and continue through page 4, line 5, and inserting 
the following:
	RESOLVED, That the 78th Legislature of the State of Texas 
hereby directs the State Board of Education to implement the 
inclusion of elements relating to personal finance among the 
essential knowledge and skills in the required public school 
curriculum, and to adopt and promote a personal finance education 
program that provides public school districts with textbook 
selections to assist in the program's implementation; and, be it 
further
	RESOLVED, That the Texas Education Agency and the State Board 
of Education, in cooperation with school administrators, teachers, 
parents, business leaders, and concerned citizens, immediately 
begin:
		(1)  exploring ways to teach in a meaningful way a 
financial literacy program that includes such topics as budgeting, 
consumer economics, insurance, investing principles, managing 
credit, monetary policy, financial planning, retirement savings, 
consumer loans, and mortgages; and
		(2)  reviewing existing financial literacy programs 
and materials that are available, with the aim of formalizing a 
personal money management course; and, be it further
	RESOLVED, That the State Board of Education submit a full 
report concerning the inclusion of elements relating to personal 
finance among the essential knowledge and skills in the required 
public school curriculum to the Texas Legislature no later than 
September 30, 2004; and, be it further
	RESOLVED, That the secretary of state forward an official 
copy of this resolution to the chair of the State Board of Education 
and the commissioner of education of the Texas Education Agency.