Changing how people earn and spend often requires broad and holistic thinking about individuals, their motivations, and their financial environments.

FORBES: Have You Resolved To Save More This Year? Easier Said Than Done

Environmental - captures incidents where individuals and groups have an impact on their surroundings, including natural, built and social environments.

BBC: Is Britain behaving better?

Creation of literate environments and societies is the foundation for "lifelong learning for all" and a tool for empowering individuals and their communities.

UNESCO: OFFICE IN PHNOM PENH