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While a taxonomy captures names of things, an ontology captures concepts and relation- ships. We would like to explore the use of RDF to grow not just folksonomies, but also folk- sologies (folk ontologies). For this purpose, we model tags not as text keywords, but as RDF re- sources named by URIs with keywords as their labels, so that it is possible to annotate them. For example, one might tag a number of dessert recipes with “durian”tag then tag the “durian”tag itself with “fruit”tag . Likewise, the user might tag several vacation trip offers as “South-East Asia”tag and then tag “South-East Asia”tag with. | O Comptroller of the Currency Administrator of National Banks US Department of the Treasury _ Community Developments April 2009 Insights Commumty Affairs QO 4 -ry Q Department kSCXX l B XSe X -IB lXX V kSa viXX S TX r lXXXS Bringing Financial Education to Students Abstract Banks establish school-based bank savings programs as financial education initiatives to help students learn about the importance of saving and other money management topics. To set up a program on school premises bankers collaborate with school administrators and teachers who share an interest in providing financial education programs to their students. These programs vary from mini banks that offer student savings accounts to more complex programs that also offer career-oriented banker training. This Insights report discusses how the school-based bank savings programs operate explains their establishment in nonbank branch settings or as authorized bank branches and describes the benefits and potential risks to banks participating in these programs. The information presented here was obtained mainly from national bankers active in school-based bank savings programs nonprofit and trade associations and state treasurers offices. I. What Is a School-Based Bank Savings Program Bringing financial education and services to children in schools has a longstanding history in the United States.1 In 1915 for example the American Bankers Association staff collaborated with New York City School Board members and local thrift institution personnel to set up school banks in schools across the city. By 1917 the program included 180 public school-based institutions and 250 000 of student savings deposits 4 million in 2008 dollars .2 Today bankers collaborate with elementary middle and high school administrators and teachers to establish school-based bank savings programs across the country. These programs vary from mini banks that offer student savings accounts to more complex programs that also offer .
