N e ha hi i a edi ed a c i f a li e e e a d he ef e ma c ai e . Thi a c i i he j i e f Ca i LIVE a d he a h i ed a e ible f a me a d ma be c ied ed b a he a i h a h i a i . www captionslive com au | captionslive outlook com | UX A a a D R a c Da 2 T da , 18 Ma c 2021 Ca i ned b : Hila Cadd 

N e ha hi i a edi ed a c i f a li e e e a d he ef e ma c ai e . Thi a c i i he j i e f Ca i LIVE a d he a h i ed a e ible f a me a d ma be c ied ed b a he a i h a h i a i . Page 35 e lici ha ha a he ca e and e did find ha me e le ld c me and alk and e e in e e ed in being in l ed b hen he a ha he li el declined. STEVE BATY: Fai en gh. ALANA WADE: And I hink i h hi a ic la f a e, i ' n a c m l a f he digi al iden i ce ide face and g h gh ha ec gni i n ce a ell. The e a n kind f f ced a h f e le. STEVE BATY: Tha ' g ea . Tha ' nde f l. L k, hank b h m ch f ha ing ha in igh . I'm glad ha i en ell nde i e challenging ci c m ance . Thank f ha ing i i h . ALANA WADE: Thank . SERENA LAI: N ie a all. Thank m ch. STEVE BATY: S ne e en a i n c me f m La a R an. Thi i a e change f ace, a alle clean e bef e he m ning ea b eak, if ill. La a' g ing be alking ab he le f being a de ign e ea che in c ea ing ell c me. Hell La a. LAURA RYAN: Hi S e e, h a e ? STEVE BATY: I'm e ell. Thank f j ining . LAURA RYAN: M ab l el lea e. I a ac all feeling eall eall 

N e ha hi i a edi ed a c i f a li e e e a d he ef e ma c ai e . Thi a c i i he j i e f Ca i LIVE a d he a h i ed a e ible f a me a d ma be c ied ed b a he a i h a h i a i . Page 36 ela ed ab hi en i e enc n e n il ab fi e min e ag n il m in e ne had a mall gli ch b i ldn' be a em e c nfe ence if e didn' ha e a c le f h e al ng he a . STEVE BATY: Ab l el n . N . LAUREN ISAACSON: A e able ee m c een a he m men ? STEVE BATY: N e . I ee , I ee me. The e e g . N I d . O e . Thank . LAURA RYAN: Thank S e e. Bef e I ge a ed, I'd j like ackn ledge he adi i nal ne f C n h gh A alia and ec gni e hei c n in ing c nnec i n land, a e and c l e. I a m e ec elde , a , e en and eme ging. S g d m ning e e ne and hank f ha ing me al ng da . M name' La a, I'm a a ne in he head f a eg eam a F e F iendl , n il igh ecen l kn n a Men all F iendl . I'm g ing be ha ing m h gh i h n he le f he de ign e ea che in c ea ing a ellbeing ec n m da . S le ' ge a ed. The e' h ee e i n I'd like di c e en a em an e da . And he a e, ne, ha i a ellbeing ec n m ? Tha kee like a ea nable lace a gi en he i le f m alk. Wh h ld I ca e ab a ellbeing ec n m a a de ign e ea che ? And hen finall ha ' he le f de ign e ea ch in a gmen ing d c and e ice f a ellbeing ec n m ? Bi f a m hf l, ha la ne, b i ' b ilding bl ck h ef ll e'll ge he e in he end. S le ' a ff i h ha i a ellbeing ec n m . S hi i Sena R be Kenned a he Uni e i f Kan a in 1968 he e he LAURA RYAN: 

N e ha hi i a edi ed a c i f a li e e e a d he ef e ma c ai e . Thi a c i i he j i e f Ca i LIVE a d he a h i ed a e ible f a me a d ma be c ied ed b a he a i h a h i a i . Page 37 ga e a ema kable eech, and i a a ema kable eech beca e he make ne f he ea lie c i i e f financial g h a a mea emen f cial g e . And am ng man in i ing in he a 'O g na i nal d c n i e $800 billi n a ea , b ha g na i nal d c c n ai ll i n and ciga e e ad e i ing and amb lance clea high a f ca nage. I c n ecial l ck f d and he jail f he e le h make hem. I di c n f he de c i n f ed W d and he l f na al nde . B i d e n all f he heal h f child en, he ali f hei ed ca i n he j f hei la . In h , i mea e e e hing e ce ha hich make life h hile'. And he e' hing ha eall ike me ab hi eech. One i i ' inc edible fa igh edne . S hi eech a gi en in 1968 and a ha ime R be Kenned a eall able edic and a ic la e he inc edible f icebe g ha e e e c lliding i h, hich i ha if e c n in e mea e g e n financial g h al ne, hen e eall c n in e ign e he ca eg ie f g e ha a e im an a h man being . S in he d , i f e mi ac in i e nc n ci nable a in he he e ha i e need be acc n able f . The ec nd hing ha ike me ab hi el en e e i n f ha e h ld be mea ing i ha i a n' called a ellbeing ec n m a he ime, b ha ' e ac l ha he' de c ibing. He' eall de c ibing he need ake a h li ic and h man a ach mea ing g e and c me . S a ellbeing ec n m i ba icall ne ha ake a c n e gence f fac , ed ca i n, men al heal h, e ali , ainabili , and i mea e h e hing ha e can ainabl im e ellbeing. S I g e he e i n n e e ne' mind n i h h ld I 

N e ha hi i a edi ed a c i f a li e e e a d he ef e ma c ai e . Thi a c i i he j i e f Ca i LIVE a d he a h i ed a e ible f a me a d ma be c ied ed b a he a i h a h i a i . Page 38 ca e ab a ellbeing ec n m a a de ign e ea che . Thi i b i l a e f big defini i n and el me hing ha e e b d need be king a d , and ha ' e, b I hink a de ign e ea che e al ha e a eall c i ical le la . And ha ' beca e i e im l , d c and e ice a e he a ha e in e ac i h he de ign ld a nd and he de ign ld i ha ing a eall f nd effec n ellbeing. S in e ac i n i h bank , he ed ca i n em, ene g ide e ann a i n, all f he e e ice hich a e eall nece a f engage in a m de n ld a e being e ea ched and de igned b e le like and I. And he he e ch e n , a de igne , a e ea che , e eall a e im ac ing e le' ellbeing, and if he e e ice a en' de igned i h ellbeing c me in mind, n ma e h ell in en i ned e a e, e d i k nega i el im ac ing e le' li e . S e need be c n ci a e ea che ab ha im ac ac i n ha e and e need nde and he ac i e le ha e ha e la in ha ce . I'd like hink f a m men ab hi e i n: ha e e e been in a e ing e i n an in e ie in hich me ne a ked f me hing ha fel ld deli e nega i e c me ? I'd like ha e an e e ience f m n. S ecen l I' e en a l f ime king in in ance, finance and e ann a i n d c . On hi ne a ic la jec I a king in e ann a i n and e had a de i ed c me im e e le' li e ac f e ann a i n and am ng man , man , man a m i n , all d c men ed a a g d e ea che d e , e had ne ha I an ed ha e i h da , and ha a m i n a ha in e ac ing i h e ann a i n ld b ild li e ac . And ha kind f make en e eall , beca e e ann a i n i a ela i el c m le bjec ma e . S e, i ' a ma ic and eamle , b ha d e n' 

N e ha hi i a edi ed a c i f a li e e e a d he ef e ma c ai e . Thi a c i i he j i e f Ca i LIVE a d he a h i ed a e ible f a me a d ma be c ied ed b a he a i h a h i a i . Page 39 nece a il mean ha e le eall nde and i . S he hinking he e i ha e can eall inc ea e e le' c m ehen i n f e ann a i n if e can ge hem in e ac and engage i h i . S hen e a ed alking ab ha he e able h he e ld be f hi a m i n. Again, e had man , b he ne I an ed ha e i h da a hi : if e make i ea f e le in e ac i h hei i k file and in e men , hen e le ill nde and and de c ibe acc a el ha ac i n he ' e aking. S hi e a ab making i ea f e le acce . One f he ke c m nen f a e ann a i n acc n , hich i i k file and in e men , and ee if in d ing e e e able im e e le' li e ac ab e ann a i n gene all , b al m e ecificall ab hei n e nal i a i n. S e en ahead and e ed ha e e ience and e ha in f n f c me , and hi i ha e a la . Pe le i h high financial li e ac and high digi al ca abili e e able eall c nfiden l make deci i n ab hei i k file and in e men . S he c ld de c ibe he ac i n he e e aking and he c n e ence ha h e ac i n ld ha e n hei e ann a i n, and ld e ec ee ha babl i h e le h ha e high financial li e ac . The a e a l e i k ca eg begin i h, b e ill an ed e i h hem make e ha he e e ience e e e de igning a n' g ing e de dimini h hei e i ing nde anding. On he he hand, e le i h l financial li e ac and high digi al ca abili e e able e he ling e efficien l b able make deci i n ab hei finance ha he didn' nde and he c n e ence f. We hea d ne ch e n a "Thi i a e me. I can change m in e men n he b n he a k." And I g e hi i he e ac m men in hich he inci le ha I'm ab e en 

N e ha hi i a edi ed a c i f a li e e e a d he ef e ma c ai e . Thi a c i i he j i e f Ca i LIVE a d he a h i ed a e ible f a me a d ma be c ied ed b a he a i h a h i a i . Page 40 c me in la . A e ea che e need be able he ignificance f ha m men and e need be able an e he e i n: ha i m le he e. The a ici an had eac ed eall i i el hi c nce , hei e ba im defini el h de i able "Thi i a e me." B ha ha en hi e n i h l financial li e ac , h change hei i k file f m c n e a i e agg e i e ma imi e hei e n, n nde anding ha in d ing he ' e al g ing e e ience la ili . The an i , e, b i ha ac all g ing deli e ellbeing c me . Man d c ha ha e nega i e im ac n e le' li e ha e f ll ed me h d ha a e h man cen ed. S h can e g be nd e ing ha e hea d, e ing ha eall ma e . The la e i n I an ed an e di c a li le bi f he da i ha i he le f de ign e ea ch in a gmen ing d c and e ice f a ellbeing ec n m ? I'm g ing e en h ee ke inci le , acc m anied b me angible f ame k im lemen . The fi inci le I an ed alk ab i ha c m ehen i n c me fi . S a e ea che , e ha e an im an le la in di ce ning be een he hing ha e le nde and and he hing ha e le al e. T deli e ellbeing c me , e h ld be e , e ca i hen e ee e le al e a c nce ha he d n' e nde and. When e le d n' nde and ha hei e l f hei ac i n a e, i ' eall im ible f hem ac all de i e al e ha e e ience. And ha g lf be een ha e in ended c mm nica e and ha e le nde and i eall he e he dange ne lie . In he e am le I ga e bef e, he a ici an did a ib e al e being able change hei i k file b ld i ha e hel ed achie e he c me f im ed financial li e ac and ld i ha e im ed ha e n' life? A e ea che e can im e he d c and e ice 

N e ha hi i a edi ed a c i f a li e e e a d he ef e ma c ai e . Thi a c i i he j i e f Ca i LIVE a d he a h i ed a e ible f a me a d ma be c ied ed b a he a i h a h i a i . Page 41 e de ign b being a a e f hi g lf, b delibe a el e ing c m ehen i n. De igning e e imen ha a e eall in en i nal ab e ing e le' c m ehen i n bef e e ing hei de i able and al e a ib i n i a eall g d a f d ing hi . S hi i a f ame k ha I e hen e ing. I a i h e ing c m ehen i n. S i e im l , can e le clea l a ic la e he c nce and h i ' ni e? If he can' de c ibe i in he a ha i a in ended f i be de c ibed and nde d, i ' eall diffic l e i h c nfidence ha he c nce i al ed and de i ed b c me . And ha i can deli e n he de i ed c me . Once ' e c nfiden ha a c nce i ell nde d, can m e in al e a ib i n. Can e le ee al e in he d c and c m a e i e i ing al e na i e . And finall m e in de i abili . A e e le illing c mmi ime and ene g e he c nce . U ing hi f ame k en e ha e a a en i n he he e le nde and c nce in he a e in en hem be nde d and i im e abili deli e i i e c me . The ec nd inci le da i ignificance ing c me . S ing ignificance in da a i , in m ini n, ne f he m e diffic l kill ma e a a e ea che . M ing a a f m e ing n hing ha a e in e e ing a i f c i i and a d e ing n hing ha a e ac all g ing c ea e i i e change i e im an b n e ea . In igh a e m ignifican hen he can be a ib ed he deli e f an c me. C n ide ing in igh in i la i n, n e he ed an c me can e l in d c and e ice ha i deli e nin ended c n e ence . S again in he e am le I ided ea lie n he face i l ked a h gh ffe ing e le he abili adj hei i k a e i e a a g d idea ha a de i ed b a c me , b hen 

N e ha hi i a edi ed a c i f a li e e e a d he ef e ma c ai e . Thi a c i i he j i e f Ca i LIVE a d he a h i ed a e ible f a me a d ma be c ied ed b a he a i h a h i a i . Page 42 e c n ide i in he b ade c n e f deli e ing financial li e ac , he in e e migh ac all be e. T ignificance ing c me eall e i e eam ada an c me f c ed a ach f m da ne and c ea e akeh lde alignmen n h e c me . The e a e man diffe en f ame k ha can be ad ed. Pe nall I find a he f e change hich de c ibe he i i e c me f b ine and c me i eall effec i e. I ' be c ea ed a he beginning f a jec e en h gh i feel he m nc mf able ime d i beca e kn he lea . If ha e hi c me f ame k a he beginning f he jec , a ecia ing ha i ill e l e e ime i eall hel e ea che ignifican m men ha b ild e idence ei he ha e' e g ing deli e n ha c me ha e' e eall ff- i e and e need make change . The ec nd hing i e al a e and i i i e in igh again h e c me . T d hi , i ' h ha ing ha he f change ha c me f ame k in ed n he all he e ' e d ing n he i ha i bec me m ch ea ie ignificance and nde and hich in igh h ld be e ed back ba ed n he c me e belie e he ill deli e . The la inci le I an ed ha e, and ne ha I feel a ic la l a i na e ab , i balancing em a h and en e ene i m, bi f a m hf l, ha d. I' e ken a l ab ellbeing c me da . One hing I an be eall clea ab i ha a b ine d e n' need label i elf a e d i en be n he h k f deli e ing ellbeing c me . Well being c me and fi d n c n adic each he . Em a h i h en e ene iali m l k like ell-meaning ini ia i e ha i ne e g li e, el n f nding f m he a f he b ine ha a e h d n a n a i i ie change. En e ene iali m i h em a h l k like l i n ha gene a e e en e b d n' gene a e 

N e ha hi i a edi ed a c i f a li e e e a d he ef e ma c ai e . Thi a c i i he j i e f Ca i LIVE a d he a h i ed a e ible f a me a d ma be c ied ed b a he a i h a h i a i . Page 43 ellbeing c me . When he e hing a e ke e a a e, i ' a eci e f di a e . A e ea che , e need define c me and b ine c me and bid e idence ha c ea e c nfidence and l i n ha ill deli e he e i i e c me . A e ea che , I hink f he i ing' f en n he all. We' e been all he e i n , had he i ileged ie f eeing all he a ici an and all f he angle . B he ame i n' e f ie , challenging e le' edefined l i n can be diffic l and nc mf able. I find i a eall ... and being able eigh he ade- ff. In he e am le I ga e ea lie if e all e le ea il change hei e ann a i n file e ill babl ee a change in me ic migh be a g d hing b e e, b hen e al ee deci i n ha lead financial c me , i ha he f ade- ff e an make. Re ea che ha e an im an le in eighing h e ade- ff e e ne i aligned and able make en ible deci i n ab ha b ild ba ed n e idence and c me . S j a , he e a e a fe ke akea a and hen I'm ha an e an e i n . Fi l , a e ea che e need hel akeh lde and eam nde and h a ic la in igh can' be ign ed b e en ing and i i i ing hem in he c n e f c me . Sec ndl , a e ea che , lead he cha ge n de ign c me f ame k. D n' le he di c mf f n kn ing all he an e n da ne c ea e ine ia. J ge a ed. Finall gi e akeh lde a clea f ame k f iden if ing ade- ff . Di c ing ade- ff ill hel eam make inf med deci i n ha lead de i able c me . Again, hank f ha ing me ha e m h gh da and feel f ee a k an e i n if 'd like ha e a cha . STEVE BATY: Thank , La a. 

N e ha hi i a edi ed a c i f a li e e e a d he ef e ma c ai e . Thi a c i i he j i e f Ca i LIVE a d he a h i ed a e ible f a me a d ma be c ied ed b a he a i h a h i a i . Page 44 LAURA RYAN: Plea e. STEVE BATY: G ea e i n. I'll a k j check he Q and A af e a d f an e i n . We ha en' had an c me h gh j e b if ldn' mind ha ing a l k, ha ld be g ea . Thank . And I h ld men i n, La a' f m F e F iendl and he ' e ne f he be fi a nd ha ill find d ing hi kind f k. The ' e been a nd f i e me ime and deli e ing c n i en l g d k e a ained e i d. S ell h aking a l k a he k he ' e d ing and if d ge a chance e he ea k ei he i h f hem, I highl ec mmend aking ha . Thank La a. LAURA RYAN: Thank S e e. STEVE BATY: Tha b ing he m ning ea b eak f da . I h e ha e enj ed he m ning e i n. The e a me eall eall g ea akea a igh h gh h e e i n . S I h e ha ' e been aking n e . We' e g ing ha e a h b eak. We a e back a 10.55, again, i h Ja . The e ill be a h ann ncemen c ming in a m men f m U abili H b ab a m i n ha e' e nning. Thank , and I'll ee back a 10.55. Hell e e ne, and elc me back. I h e had a chance g ab a d ink, e ch leg , ma be ee he ide ld and f me, he cl d . I j an ed make a ick men i n f he ca i ning ha ' g ing n. Ca i n a e being ided b a e ice called ca i n li e, Hila i ca i ne da a he m men , hell Hila . J an ed call hem . The d a eall g d j b. We' e been f na e