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This article examines conflicting visions of the racial composition of the maltreated populations. The National Child Abuse and Neglect Data System (NCANDS) data shows Blacks are overrepresented among reported and substantiated abuse and neglect cases, while the National Incidence Study of Child Abuse and Neglect (NIS) shows no apparent overrepresentation of children of color. To understand the conflicting evidence, the authors produce from NIS approximate measures of maltreatment rates in NCANDS. Maltreatment rates is broken down into allegation, report and substantiation components. Without disaggregating the data by welfare status, all or most of the racial gap in official maltreatment is found to arise from racial differences in allegations. Disaggregation changes the results. Among welfare cases, on average, half of the Black-White gap in maltreatment is due to racial differences in substantiation. Among nonwelfare cases, about half of the racial gap in official maltreatment is due to racial differences in allegations.

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This paper describes a corporate-sponsored research effort whose goal was to help consumers obtain and maintain good credit through consumer education. Freddie Mac in collaboration with five historically Black colleges and universities (HBCUs) and three national nonprofit consumer organizations sponsored this initiative, known as CreditSmart©, which involves research, curriculum development, and outreach. In order to inform the curriculum and outreach, the authors evaluate the effectiveness of learning about finances through formal, informal, and experiential sources. They also examine whether there are ethnic or cultural differences in these effects. The proposed model of consumer financial knowledge was tested using the 1999 Consumer Credit Survey (CCS) data collected from approximately 12,000 consumers. This dataset includes a variety of questions about childhood experiences with money, financial knowledge, attitudes, and experiences, as well as assets, debts, and demographic characteristics. Findings suggest that formal training and childhood financial experiences are significant predictors of financial knowledge across the sample population as a whole, while informal, word-of-mouth sources have a significant additional impact among African-American consumers. Implications for social marketing and consumer education are discussed.

Teachers (CAUT). 4. The word "teacher" as used in this document is understood to include the investigator who is attached to an academic institution without teaching duties. 5. Boldface numbers in brackets refer to Interpretive Comments which follow. 6. For a discussion of this question, see the "Report of the Special Committee on Academic Personnel Ineligible for Tenure,"