Printed educational, instructional and teaching materials used in connection with live, in-home and on-line interactive education, training, testing and certification services in the field of personal money management, use of credit, identity protection, debt management, debt reduction, investment, asset accumulation, and estate planning

CREDIT COUNSELING KIT CONTAINING A CD-ROM DISK FEATURING BUDGETING SOFTWARE, AUDIO CASSETTE, VIDEO TAPE, AN ENROLLMENT CERTIFICATE, AN INCOME AND EXPENSE WORKSHEET, AND A BOOK ALL RELATING TO MONEY MANAGEMENT SKILLS, ALL SOLD AS A UNIT