They have thirty or forty years before they need the money but they are using reactive short-term strategies rather than implementing proactive long-term strategies, yet 71% of employees under the age of 30 that have used our online financial assessment tool report having a general knowledge of stocks, bonds, and mutual funds.

FORBES: The 401(k) Is Not Working For Gen Y, But It Can

Once the patent is granted they often need to engage in enforcing it, for example through proactive and reactive litigation.

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