“The First Command Financial Behaviors Index assesses trends among the American public’s financial behaviors, intentions and attitudes through a monthly survey of approximately 1,000 U.S. consumers, ages 25–70, with annual household incomes of at least $50,000. Survey results, which are reported quarterly, were first compiled in February 2008 and assigned a baseline of 100 points. In subsequent months, consumers’ responses to questions about their financial behaviors, attitudes and intentions may drive the index above or below the baseline. “Positive” or “productive” behaviors, intentions and attitudes — such as increasing savings/investments and reducing personal debt — influence the index upward. “Negative” or “unproductive” behaviors, attitudes and intentions — such as decreasing savings/investments and assuming greater personal debt — influence the index downward.”