keywords = new Array("heartland,0,3,2,4,4,5,5,4,6,3,7,3,8,3,9,3,10,3,11,3,12,3,13,4,14,3,15,2,16,1,17,1,18,1,19,3,20,5,21,2,22,2,23,2,24,1,25,1,26,1,27,2,28,2,29,1,33,1",
	"institute,0,3,2,4,4,5,5,4,6,3,7,3,8,3,9,3,10,3,11,3,12,3,13,4,14,3,15,2,16,1,17,1,18,1,19,3,20,5,21,2,22,2,23,2,24,1,25,1,26,1,27,2,28,2,29,1,33,1",
	"financial,0,3,2,4,4,10,5,9,6,7,7,3,8,3,9,5,10,4,11,3,12,6,13,11,14,4,15,12,16,7,17,5,18,1,19,5,20,7,21,2,22,5,23,6,24,3,25,4,26,2,27,7,28,6,29,1,33,1",
	"education,0,3,2,4,4,10,5,6,6,8,7,3,8,4,9,4,10,3,11,3,12,4,13,9,14,4,15,2,16,1,17,1,18,1,19,4,20,7,21,2,22,5,23,2,24,2,25,7,26,2,27,2,28,3,29,1,33,1",
	"2851,0,1,2,2,4,1,5,1,6,1,7,1,8,1,9,1,10,1,11,1,12,1,13,1,14,1,15,1,16,1,17,1,18,1,19,1,20,1,21,1,22,1,23,1,24,1,25,1,26,1,27,1,28,1,29,1,33,1",
	"s.parker,0,1,2,1,4,1,5,1,6,1,7,1,8,1,9,1,10,1,11,1,12,1,13,1,14,1,15,1,16,1,17,1,18,1,19,1,20,1,21,1,22,1,23,1,24,1,25,1,26,1,27,1,28,1,29,1,33,1",
	"rd,0,1,2,1,4,1,5,1,6,1,7,1,8,1,9,1,10,1,11,1,12,1,13,1,14,1,15,1,16,1,17,1,18,1,19,1,20,1,21,1,22,1,23,1,24,1,25,1,26,1,27,1,28,1,29,1,33,1",
	"aurora,0,1,2,2,4,4,5,1,6,1,7,1,8,1,9,1,10,1,11,1,12,1,13,2,14,1,15,1,16,1,17,1,18,1,19,2,20,1,21,2,22,2,23,1,24,1,25,1,26,1,27,1,28,3,29,1,33,1",
	"colorado,0,1,2,2,4,5,5,1,6,1,7,1,8,1,9,1,10,2,11,1,12,1,13,3,14,1,15,1,16,1,17,1,18,1,19,2,20,1,21,1,22,2,23,1,24,1,25,1,26,1,27,1,28,2,29,2,33,1",
	"80014,0,1,2,2,4,1,5,1,6,1,7,1,8,1,9,1,10,1,11,1,12,1,13,1,14,1,15,1,16,1,17,1,18,1,19,1,20,1,21,1,22,1,23,1,24,1,25,1,26,1,27,1,28,1,29,1,33,1",
	"303,0,1,2,3,4,1,5,1,6,1,7,1,8,1,9,1,10,1,11,1,12,1,13,1,14,1,15,1,16,1,17,1,18,1,19,1,20,1,21,2,22,1,23,1,24,1,25,1,26,1,27,1,28,1,29,1,33,1",
	"283-4695,0,1,2,3,4,1,5,1,6,1,7,1,8,1,9,1,10,1,11,1,12,1,13,1,14,1,15,1,16,1,17,1,18,1,19,1,20,1,21,1,22,1,23,1,24,1,25,1,26,1,27,1,28,1,29,1,33,1",
	"financial.education,0,1,2,2,4,1,5,1,6,1,7,1,8,1,9,1,10,1,11,1,12,1,13,1,14,1,15,1,16,1,17,1,18,1,19,1,20,1,21,1,22,1,23,1,24,1,25,1,26,1,27,1,28,1,29,1,33,1",
	"ccaurora.edu,0,1,2,1,4,1,5,1,6,1,7,1,8,1,9,1,10,1,11,1,12,1,13,1,14,1,15,1,16,1,17,1,18,1,19,1,20,1,21,2,22,1,23,1,24,1,25,1,26,1,27,1,28,1,29,1,33,1",
	"copyright,0,1,2,1,4,1,5,1,6,1,7,1,8,1,9,1,10,1,11,1,12,1,13,1,14,1,15,1,16,1,17,1,18,1,19,1,20,2,21,1,22,1,23,1,24,1,25,1,26,1,27,1,28,1,29,1,33,1",
	"2004,0,1,2,1,4,1,5,1,6,1,7,1,8,1,9,1,10,1,11,1,12,1,13,1,14,1,15,1,16,1,17,1,18,1,19,1,20,1,21,1,22,1,23,1,24,1,25,1,26,1,27,1,28,1,29,1,33,1",
	"rights,0,1,2,1,4,1,5,1,6,1,7,1,8,1,9,1,10,1,11,1,12,1,13,1,14,1,15,1,16,1,17,1,18,1,19,1,20,1,21,1,22,1,23,1,24,1,25,1,26,1,27,1,28,1,29,1,33,1",
	"reserved,0,1,2,1,4,1,5,1,6,1,7,1,8,1,9,1,10,1,11,1,12,1,13,1,14,1,15,1,16,1,17,1,18,1,19,1,20,1,21,1,22,1,23,1,24,1,25,1,26,1,27,1,28,1,29,1,33,1",
	"website,0,1,2,1,4,1,5,1,6,1,7,1,8,1,9,1,10,1,11,1,12,1,13,1,14,1,15,1,16,1,17,1,18,1,19,1,20,1,21,1,22,1,23,1,24,1,25,1,26,1,27,1,28,1,29,1,33,1",
	"majesty,0,1,2,1,4,1,5,1,6,1,7,1,8,1,9,1,10,1,11,1,12,1,13,1,14,1,15,1,16,1,17,1,18,1,19,1,20,1,21,1,22,1,23,1,24,1,25,1,26,1,27,1,28,1,29,1,33,1",
	"sites,0,1,2,1,4,1,5,1,6,1,7,1,8,1,9,1,10,1,11,1,12,1,13,1,14,1,15,1,16,1,17,1,18,1,19,1,20,1,21,1,22,1,23,1,24,1,25,1,26,1,27,1,28,1,29,1,33,1",
	"inc,0,1,2,1,4,1,5,1,6,1,7,1,8,1,9,1,10,1,11,1,12,1,13,1,14,1,15,1,16,1,17,1,18,1,19,1,20,1,21,1,22,1,23,1,24,1,25,1,26,1,27,1,28,1,29,1,33,1",
	"untitled,1,2",
	"document,1,2",
	"njdso,1,1",
	"nfdsj,1,1",
	"anfdasj,1,1",
	"dsf,1,1",
	"mnfkdls,1,1",
	"amnlsfdf,1,1",
	"hnjdso,1,1",
	"lsnjj,1,1",
	"kdndkjsoa,1,1",
	"fdnsakjo,1,1",
	"dfmnf,1,1",
	"jdksda'lllldfndjsa,1,1",
	"fndsja,1,1",
	"fdsafdsafs,1,1",
	"fdsafdsafdsa,1,1",
	"contact,2,4,13,2,16,1,21,1,22,2",
	"hife,2,3,4,3,5,2,6,9,8,2,9,2,10,2,11,2,12,2,13,3,14,2,15,2,16,3,17,3,18,2,19,5,20,8,21,3,22,6,23,2,24,2,25,2,26,2,27,2,28,2,29,2",
	"s,2,1,14,1,22,1,29,1",
	"parker,2,1",
	"road,2,1",
	"please,2,1,13,2,17,1,21,1,22,1",
	"glenn,2,1,29,1",
	"h,2,1,29,2",
	"choate,2,1,29,1",
	"director,2,1",
	"marketing,2,1",
	"marcie,2,1,29,1",
	"r,2,1,29,2",
	"gappinger,2,1,29,2",
	"program,2,1,19,4,20,3,21,1,27,1,28,2",
	"coordinator,2,1",
	"e-mail,2,1,21,1",
	"ccaaurora.edu,2,1",
	"template.jpg,3,2",
	"welcome,4,3",
	"a,4,2,5,7,6,3,7,2,8,6,9,1,10,2,11,3,12,1,13,4,15,1,16,3,17,2,19,1,20,5,22,3,23,2,25,2,26,1,27,3,28,6",
	"non-profit,4,1,5,1,13,1,20,1",
	"organization,4,1,9,1,13,1,16,1,17,1",
	"was,4,1,11,1,13,3",
	"designed,4,1,13,1,16,1,27,1",
	"specific,4,1,16,1,17,1,27,1",
	"purpose,4,1,13,1",
	"providing,4,1,13,1",
	"on-site,4,1,6,1,9,1,20,1,21,1",
	"employees,4,2,5,2,9,2,12,5,13,3,14,9,15,2,17,5,20,1,22,3,28,1",
	"associates,4,1,20,1,28,1",
	"businesses,4,2,5,1,6,1,8,1,13,1,17,3,20,1,21,1,22,1,28,1",
	"organizations,4,1,5,1,6,1,12,1,13,1,15,1,28,1",
	"associations,4,1,6,1,20,1",
	"other,4,1,5,2,13,1,14,1,16,1,20,1,22,1,25,1",
	"entities,4,1,5,1,20,1",
	"this,4,1,6,4,7,1,11,4,13,2,16,2,19,3,20,1,21,1,28,1,32,1,33,2",
	"presented,4,1",
	"through,4,3,5,1,6,2,7,2,13,2,19,1,20,3,23,2,24,1",
	"select,4,1",
	"courses,4,2,5,4,6,1,9,1,12,3,15,6,16,1,17,5,19,2,20,6,21,2,22,4,23,1,25,2,27,2,28,1",
	"which,4,2,6,1,17,1,23,1,25,1,27,1",
	"were,4,1,19,1",
	"originally,4,1,19,1,25,1",
	"offered,4,1,13,1,19,1",
	"sponsored,4,1,15,1,20,2,22,2",
	"state,4,1,5,1,13,1,19,1,22,1,25,1",
	"university,4,1,13,2,20,1,22,4",
	"community,4,3,8,1,13,1,19,1,21,3,22,2,28,1",
	"college,4,3,13,2,19,1,20,1,21,2,22,5,28,2",
	"taught,4,1,5,1,15,1,19,1,20,5,21,1",
	"certified,4,2,5,1,6,2,15,1,19,2,20,2,23,2,25,1,27,1,28,1",
	"educators,4,1,6,1,24,1,27,1",
	"cfe,4,1,20,1,23,3,24,1,25,1,26,2,27,1,28,4,29,34",
	"instructor,4,1,19,2,20,3,25,2,28,1",
	"who,4,1,5,1,6,1,12,1,13,1,20,1,23,1,24,1,28,1",
	"been,4,3,5,1,10,1,13,1,19,1,28,1",
	"trained,4,1,20,1",
	"whose,4,1",
	"credentials,4,1,19,1,28,1",
	"accepted,4,1,19,1",
	"need,4,2,8,1,9,1,13,1,16,1,17,1,22,1",
	"high,4,1,6,1,7,1",
	"quality,4,1,5,1,27,1",
	"unbiased,4,1",
	"workplace,4,1,5,2,6,1,13,1",
	"long,4,1,15,1",
	"objective,4,1,6,1",
	"help,4,2,8,1,9,1,24,1",
	"successfully,4,1,20,1",
	"expanded,4,1",
	"up,4,1",
	"down,4,1",
	"front,4,1",
	"range,4,1",
	"recent,4,1",
	"moves,4,1",
	"federal,4,1",
	"legislation,4,1",
	"may,4,1,6,1,14,1,16,2,19,1,20,1",
	"require,4,1",
	"provide,4,1,5,2,6,1,7,1,9,1,13,1,15,1,19,1,20,1",
	"better,4,1,13,1,14,1",
	"prompting,4,1",
	"institutional,4,1",
	"concerns,4,1",
	"human,4,1",
	"resource,4,1,14,1",
	"professionals,4,1",
	"class,4,1,11,2,13,2,14,2,19,1",
	"instruction,4,1,6,1,24,1,27,1",
	"usually,4,1,16,1",
	"takes,4,1",
	"place,4,1",
	"participating,4,1",
	"business,4,1,6,2,14,1,15,1,20,1,21,3,25,1",
	"location,4,1,6,1,13,1,17,1,20,1,21,1",
	"workbooks,4,1",
	"complete,4,1,20,2",
	"worksheets,4,1,14,1,16,1",
	"personalize,4,1,16,1",
	"identify,4,1,16,1",
	"areas,4,1,16,1,19,1,27,1",
	"might,4,1,16,1,17,1",
	"special,4,1,16,1",
	"attention,4,1,16,1",
	"provided,4,1,7,1,19,2",
	"participants,4,1,7,3,10,1,11,3",
	"spouses,4,1,13,1",
	"significant,4,1,13,1,14,1",
	"others,4,1,8,1,13,1",
	"invited,4,1,13,1",
	"attend,4,1,13,1,14,1",
	"no,4,1,9,1,10,1,13,3,14,1,21,1,30,1,31,1,33,1",
	"additional,4,1,13,1,14,1,21,2",
	"cost,4,1,9,1,13,1,14,1",
	"share,5,3,13,1",
	"our,5,4,7,8,8,4,9,1,12,3,17,1,22,3",
	"vision,5,4",
	"look,5,1,17,1",
	"future,5,1,7,1,8,1,9,1,10,1",
	"from,5,1,7,2,12,1,16,1,27,1",
	"board,5,1,13,1,23,1,26,5,27,1",
	"governors,5,1,13,1,26,3",
	"concept,5,1,13,1",
	"colleges,5,2,6,2,13,2,15,2,17,1,19,2,22,6",
	"universities,5,2,6,2,13,2,15,2,19,2,22,4",
	"struggled,5,1",
	"years,5,2,13,1,23,1,27,1,28,1",
	"but,5,1,7,1,17,1,25,1",
	"within,5,2",
	"last,5,1",
	"few,5,1,13,1",
	"new,5,1,17,1",
	"refreshing,5,1",
	"idea,5,1",
	"emerged,5,1",
	"scene,5,1",
	"greatest,5,1",
	"hopes,5,1",
	"ever,5,1,13,1",
	"offering,5,1,22,1",
	"excellent,5,1,22,1",
	"educational,5,1,6,1,9,1,13,1,17,1,19,1,20,1,23,1,24,2,27,3",
	"members,5,1,15,1",
	"company,5,1,15,3,17,3",
	"along,5,1,28,1",
	"throughout,5,1,6,1,13,1,15,1,20,1,22,1",
	"united,5,1,6,1,11,1,13,1,15,1,20,1,22,1",
	"states,5,1,6,1,13,1,15,1,20,1,22,1",
	"partnering,5,1,6,1,19,1,21,1,26,1",
	"together,5,1,17,1",
	"series,5,1",
	"management,5,1,13,1,15,2,17,2,25,2,27,1,28,1",
	"their,5,1,6,2,7,3,9,1,12,4,13,3,14,2,15,1,19,2,22,1,28,1",
	"these,5,1,10,1,13,1,23,1,24,1,28,2",
	"qualified,5,1,13,1,15,1,20,1",
	"instructors,5,2,6,2,7,1,13,1,19,1,20,4,27,4",
	"wellness,5,1,6,1,9,1,12,1,13,1,15,6,16,4,17,2,20,1,27,1",
	"rapidly,5,1",
	"becoming,5,1",
	"reality,5,1",
	"americans,5,1,13,2",
	"now,5,1,13,1",
	"afforded,5,1",
	"opportunity,5,2,6,2,11,1,13,2,22,1",
	"avail,5,1",
	"themselves,5,1,6,1",
	"best,5,1",
	"most,5,1,13,2,16,1,17,1",
	"convenient,5,1,12,1",
	"right,5,1,17,1,20,1",
	"wellbeing,5,1",
	"fundamental,5,1,6,1",
	"foundation,5,1",
	"successful,5,1,23,1,27,1,28,1",
	"long-term,5,1",
	"society,5,1",
	"therefore,5,1,27,1",
	"excellence,5,1,7,1,13,1,20,1",
	"workers,5,1,13,1",
	"across,5,1",
	"great,5,1,11,2",
	"nation,5,1",
	"materials,5,1,14,1,19,1",
	"cities,5,1",
	"every,5,1,13,1",
	"union,5,1",
	"action,6,3",
	"provides,6,2,19,1,21,2",
	"unique,6,1",
	"dynamic,6,1",
	"learning,6,1,12,1",
	"critical,6,1,22,1,27,1",
	"area,6,1,22,1,25,1,28,1",
	"course,6,1,7,1,12,1,13,5,16,6,17,1,20,2,21,1",
	"occurs,6,1",
	"desiring,6,1",
	"greater,6,1,7,1,21,1",
	"understanding,6,1,8,1,15,2,16,1,20,3,23,1",
	"conveniently,6,1",
	"learn,6,1,7,2",
	"deal,6,1",
	"apply,6,1,16,1",
	"aspects,6,1,12,1",
	"families,6,1",
	"delivers,6,1",
	"knowledge,6,1,14,1",
	"association,6,1,20,1",
	"accomplishes,6,1",
	"individuals,6,1,8,1,9,1,12,1,13,1,23,2,28,4",
	"respective,6,1",
	"whenever,6,1",
	"possible,6,1,17,1",
	"strives,6,1,22,1",
	"improve,6,1",
	"enhance,6,1,14,1,24,1",
	"relationship,6,1,8,1",
	"sponsoring,6,1,21,1,22,1",
	"local,6,1,17,1,19,1,21,1,22,1",
	"communities,6,1",
	"offers,6,1",
	"selected,6,1",
	"practice,6,1,24,1",
	"what,6,1,10,3,11,3",
	"they,6,1",
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	"training,6,1,13,1,23,1,27,2,28,2",
	"support,6,1",
	"certification,6,1,19,1,23,3,27,3",
	"continuing,6,1,20,1,25,6,28,1",
	"thereby,6,1",
	"maintaining,6,1",
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	"students,6,1,8,1",
	"well,6,1,8,1,23,1",
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	"information,6,1,7,1,10,1,11,2,16,1",
	"commitment,7,7,22,1",
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	"ourselves,7,1",
	"standard,7,1,24,4,26,1",
	"performance,7,1,14,1",
	"judged,7,1",
	"primarily,7,1",
	"diversity,7,2",
	"involvement,7,2",
	"responsibility,7,3,9,1",
	"open,7,1,8,1,21,1",
	"attitude,7,1",
	"acceptance,7,1",
	"desire,7,1",
	"encourage,7,1",
	"differing,7,1",
	"points,7,1",
	"view,7,1",
	"varying,7,1",
	"social,7,1,15,1",
	"ethnic,7,1",
	"backgrounds,7,1",
	"while,7,1,8,1",
	"never,7,1,8,1,13,2",
	"being,7,1,8,1,10,1",
	"satisfied,7,1",
	"anything,7,1",
	"academic,7,1",
	"perspective,7,1",
	"encourages,7,1",
	"take,7,1,9,1,12,1,13,2,14,1",
	"part,7,1,22,1",
	"exercises,7,1,14,1",
	"case,7,1",
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	"Heartland Institute of Financial Education - Welcome",
	"HIFE - Share Our Vision - Heartland Institute of Financial Education",
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	"Heartland Institute of Education - Financial Education Programs",
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descriptions = new Array("2851 S.PARKER RD. AURORA, COLORADO 80014 (303) 283-4695 financial.education@ccaurora.edu COPYRIGHT 2004 HEARTLAND INSTITUTE OF FINANCIAL EDUCATION. A",
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	"Contact HIFE HEARTLAND INSTITUTE OF FINANCIAL EDUCATION 2851 S. PARKER ROAD AURORA, COLORADO 80014 PLEASE CONTACT: GLENN H. CHOATE Director of Market",
	" ",
	"WELCOME TO THE HEARTLAND INSTITUTE OF FINANCIAL EDUCATION The Heartland Institute of Financial Education (HIFE), a non-profit organization, was desig",
	"Share Our Vision A Look At The Future From the Board of Governors Financial Education in the workplace has been a concept that colleges, universities",
	"HIFE IN ACTION HIFE provides a unique, dynamic learning opportunity in the critical area of Financial and Education. Course instruction occurs in the",
	"OUR COMMITMENT We hold ourselves to a high standard of performance, judged primarily, through our commitment to diversity, involvement and responsibi",
	"APOSITION OF PRINCIPLE A STATEMENT OF VALUES INTEGRITY WE VALUE an exchange of opinions and beliefs, while always embracing honesty and ethical behav",
	"Key Features for Employers You can provide on-site education as a “soft benefit” for employees at little or no cost; some companies offer full or par",
	"What HR Directors Say: “Participants have been sincerely appreciative of the presentation, how valuable and current the information is, and how helpf",
	"What Participants Say: “I think this class is a great way to get started making personal changes. It covered a lot of information!” - Sue Stuhr, AON ",
	"Why Offer Our Courses to your Employees? Financial wellness is a course for individuals who want to take control of their financial lives. Employees ",
	"Financial Education Programs The Heartland Institute of Financial Education was established as a non-profit organization, with the primary purpose of",
	"Benefits to Your Employees Convenience: Employees take the class at your work site. Family Oriented Planning: Employee’s spouse or significant other ",
	"Financial Wellness Courses for Your Company The Heartland Institute of Financial Education has joined with colleges and universities throughout the U",
	"Flagship Course - The Fundamentals of Financial Wellness The flagship course, The Fundamentals of Financial Wellness— is usually a three-part course,",
	"COURSES FOR BUSINESSES AND EMPLOYEES Financial wellness and Management classes, which are held right at your company location (or close by) for the b",
	"Income For Schools 2851 S.PARKER RD. AURORA, COLORADO 80014 (303) 283-4695 financial.education@ccaurora.edu COPYRIGHT 2004 HEARTLAND INSTITUTE OF FIN",
	"NATIONAL PROGRAM PROVIDES INCOME FOR COLLEGES AND UNIVERSITIES!! About This Program *The Heartland Institute of Financial Education is looking for pa",
	"Statement of Understanding It is understood, that in an effort to provide excellence in Financial Wellness Educational Courses throughout the United ",
	"Advantages To Your School *No staff, time, space or money demands on your school. *Classes are generally taught on-site at the business location. *Co",
	"Colleges and Universities Accredited Colleges and Universities are the critical link between the Heartland Institute of Financial Education and busin",
	"CERTIFIED FINANCIAL EDUCATOR (CFE ) THE CERTIFICATION MARKS The Certified Financial Educator, or CFE designation is a designation, which is conveyed ",
	"THE STANDARD OF PRACTICES In particular, the standard of practices is based upon the three following practice expectations: *To assure compliance wit",
	"Renewal and Continuing Education The CFE marks are renewable on an annual basis, during the month in which each Certified Financial Educator original",
	"The Board of Governors As an independent certifying group, the CFE Governing Board oversees the development, promulgation and standard of practices f",
	"Instructors Certification The execution of certifying Instructors is critical to the quality and integrity of the financial educational process. Ther",
	"Become A CFE The designation of Certified Financial Educator is bestowed upon individuals in the Financial Services Industry who choose to teach coll",
	"CFEs Colorado Alan J. Gappinger, CFP, ChFC, CLU, MA CFE Glenn H. Choate, ChFC, CFE Jeannette B. Sallinen, M.A.,CFE Eric Fischer, CFP, CFE Robert Doug",
	" ",
	" ",
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