“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…The First Command Financial Behaviors Index rose from 2009’s year-end mark of 90 to a first quarter closing at 94, as American families showed a continuing commitment to saving more and reducing debt over the long term. Since the third quarter of 2009, consistently one in four survey respondents indicate that they have cut back for good. And in the first quarter of 2010, the percentage of Americans with a positive savings-to-debt ratio peaked at 44 percent, its highest point in the history of the Index.”