This Site is Purposed to Prompt the Private Sector Side of the Federal Reserve Bank To Be Fair in the Use of Monetary Policy Powers.  The FED is Unfair in its Program for Those Without Financial Assets who also have Little Support from Strong Emotional and Ethical Assets, Attributes and Positive Expectations. 

This is Distinctly Different from Those Who Own Financial Assets. 

The Email March on the FED is detailed by the content on this website.  You join the Email March by joining this site. You inform yourself by understanding and contacting us about the email letters and this site. This service is for sale to effective citizens and we pay you to comment and improve on the letters and the content as the site moves in our future to prompt the private sector FED to influence the at risk citizens with effective fair action. The 1977 Community Reinvestment Act is not first things first action. The emails here can be downloaded for your needs. They are also the numbered tabs on the left index

Heckman an Economist says Make First Economic Investments in the Most At Risk for the Highest Return, But Don't Forget the Seeds must be Watered

The Heckman Equation (quoted from his web site)

Anyone looking for upstream solutions to the biggest problems facing America should look to Nobel Prize winning University of Chicago Economics Professor James Heckman's work to understand the great gains to be had by investing in early and equal development of human potential.


Invest in educational and development resources for disadvantaged families to provide equal access to successful early human development.


Nurture early development of cognitive and social skills in children from birth to age five.


Sustain early development with effective education through to adulthood.


Gain a more capable, productive and valuable workforce that pays dividends to America for generations to come.

"The dissemination of Prof. Heckman's work and that of his colleagues within the Pritzker Consortium of Early Childhood Development at the Harris School at the Univ. of Chicago is supported by the Irving Harris Foundation, The Children's Initiative: A Project of the J.B. and M.K. Pritzker Family Foundation, the McCormick Foundation, and an anonymous funder."

A Real ROI


Please note that all fields followed by an asterisk must be filled in.

Please enter the word that you see below.