In terms of enforcement of competition rules, the number of decisions taken increased in 2008 compared to the previous year. While the number of merger and exemption cases increased significantly, the number of cases in the area of competition infringements (cartels, vertical restraints and abusive practices) decreased. The increasing number of exemption applications is quite striking in 2008. The main explanation for this increase comes from the introduction of 40% market share threshold in the Block Exemption Communiqué on Vertical Agreements. The agreements previously exempted lost their exempted status after the introduction of the threshold.

List of Participants for the Fourth Meeting of the International Network on Financial Education held in the Sofitel Hotel in Rio de Janeiro, Brazil on December 14, 2009.

Advantages of starting young
* Prepare children to:
* Make good decisions about money
* Use financial products wisely
* Get ready for the world of work
* Understand the economy
* Know where to go to for help about money