Bangko Sentral Governor Amando Tetangco, Jr. (center) and Education Secretary Jesli Lapus (second from left) shake hands after the signing of a Memorandum of Agreement to incorporate into the elementary curriculum lessons in saving and money management to transform elementary students into net savers. Teaching the values of pagka-masinop (prudence/avoiding waste), pagka-matipid (thrift), and pag-iimpok (saving) will be part of the program. Looking on is former Socioeconomic Planning Secretary Dr. Cielito Habito (fourth from left) who heads the Economic Policy Reform and Advocacy Group, a partner of the Bangko Sentral and the Department of Education in the program. The curriculum development project is part of the Bangko Sentral’s continuing program to educate and inform our people on basic economic and financial concepts. Also in photo are (left) BSP Deputy Governor Diwa Guinigundo and (right) EPRA Economist Dr. Emmanuel Esguerra.