Germany is facing a rapid change from public to more private responsibility concerning different kinds of income risk. Prominent recent examples are the reforms of public pensions and unemployment insurance. However, more private responsibility asks for broader abilities to handle financial matters in the short and in the long run. On MEA's Seventh Annual Conference on Thursday, November 27, 2008, in the Rittersaal, Mannheim Castle Registration Form Schloss Mannheim Agenda and Presentations 10.00 – 10.20 Begrüßung / Greetings Prof. Dr. Hans-Wolfgang Arndt, Rektor der Universität Mannheim Dr.