As you near retirement, or your high school senior is about to enter college, your appetite for risk drops precipitously.

FORBES: How to Find Low Risk, High Return Investments

How pupils perform in exams will count for rather a lot, granted but how many children actually turn up every day, whether there are signs of progress - will also help decide where your school ends up near the top or towards the bottom of its band.

BBC: Crude league tables? No! Nuanced banding? Yes!

If you live near a base, you can reach out through your local school or church.

WHITEHOUSE: Weekly Address: Merry Christmas from the President & First Lady | The White House