strongly endorsed the program, the former by approving for turkey a three - year standby arrangement, and the latter by extending project credit. the prospect of membership negotiations with the european union pursuant to the helsinki decision provides an additional strong incentive to implement the program forcefully. there is a strong autonomous ownership of the program. the government, the parliament, policymakers, and the social partners all understand the great rewards, particularly in terms of reduced interest costs and stable growth, that will follow the program ’ s successful implementation. the markets ’ reactions to the program have also been very positive. interest rate declined from 100 % last october to the 30s recently. i expect that these positive attitudes on the part of all participants in the program will continue until turkey has achieved the long - sought and much desired goal of durable price stability.

. access through the portal is simple and quick ; in three clicks users can access free content carefully chosen for its educational qualities, neutrality and freshness. we have opted for a similar approach to the dutch " money wise " platform, in that it is both practical, with a limited amount of entries and materials, as well as cooperative, offering a variety of sources from all of our partners. in order to ensure that the national strategy is rapidly implemented, we rely on the operational committee, which i chair, and which is responsible for management and coordination. our roadmap for 2017 is clear : during the first half of the year, operational objectives will be defined and available resources will be identified ; and during the second half, a robust and effective assessment methodology will be developed. we are already actively working on introducing specific mechanisms for people in financial difficulty and students. to help those experiencing financial difficulties, we are working closely with social service providers to produce practical educational materials covering seven concrete subjects : budgeting, relationships with banks, credit, bank payment incidents, banking inclusion, overindebtedness and complaints. from june 2017, these materials will be made available to social workers and associations so that they can be used with people in financial difficulty. by the end of the year, the banque de france's teams have planned to hold nearly 900 meetings to present in detail these educational materials, as well as the " mes questions d'argent " portal, to 14, 000 social service providers. for students, in december 2016 the ministry of education set up a group of experts in which the banque de france and the french institute for public financial education actively participate. the group's objective is to develop appropriate educational materials that help teachers to introduce primary school pupils to the concepts of money, budgeting, credit and savings, and then to build on that knowledge in secondary schools and, if possible, up to the age of 18. the first information kits approved by the group of experts will be supplied to teachers for the beginning of the new school year in september 2017. the banque de france will promote their use to teachers in academies in accordance with its brief defined by the ministry of education. * * * 2 / 3 bis central bankers'speeches allow me to conclude by quoting the american musician, pete seeger, who had these wise words : " do you know the difference between education and experience? education is when you read the fine print ; experience is what you get when you don ’