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Youth Financial Awareness Over the past 25 years, we have witnessed an explosion in the amount of credit offered to Canadian consumers. This growth in the use of credit has been accompanied by a sharp increase in consumer use of insolvency procedures. Several studies have demonstrated that many consumers have a poor understanding of credit and the harmful consequences of excessive debt. That’s why the OSB is dedicated to teaching young consumers about the importance of financial planning, the appropriate use of credit, and ways to avoid or emerge from excessive debt. The OSB has come up with some financial guides for different age groups, educative cartoon strips and a board game. For more information about these publications, visit: www.osb-bsf.ic.gc.ca