Some people do not find this easy and need help. The core products of a.s.r. already assist customers in this way, but additionally a.s.r. initiates projects which help all people to make conscious financial choices. Numeracy and literacy and the ability to manage money and keep good financial records are all part of this. It is a.s.r.’s aim to prevent people getting into debt, or to help them resolve it. Given the considerable debt burden that one in five households in the Netherlands has to contend with, there is a clear need for this.