This is the accessible text file for CG Presentations number GAO-07- 261CG entitled 'America's Fiscal Future: Implications for Higher Education and Global Competitiveness' which was released on December 11, 2006. This text file was formatted by the U.S. Government Accountability Office (GAO) to be accessible to users with visual impairments, as part of a longer term project to improve GAO products' accessibility. Every attempt has been made to maintain the structural and data integrity of the original printed product. Accessibility features, such as text descriptions of tables, consecutively numbered footnotes placed at the end of the file, and the text of agency comment letters, are provided but may not exactly duplicate the presentation or format of the printed version. The portable document format (PDF) file is an exact electronic replica of the printed version. We welcome your feedback. Please E-mail your comments regarding the contents or accessibility features of this document to Webmaster@gao.gov. This is a work of the U.S. government and is not subject to copyright protection in the United States. It may be reproduced and distributed in its entirety without further permission from GAO. Because this work may contain copyrighted images or other material, permission from the copyright holder may be necessary if you wish to reproduce this material separately. United States Government Accountability Office: America's Fiscal Future: Implications for Higher Education and Global Competitiveness: The Honorable David M. Walker: Comptroller General of the United States: Council of Graduate Schools Annual Meeting: Washington, D.C. December 7, 2006: About GAO: The U.S. Government Accountability Office GAO) is an independent agency in the legislative branch of the federal government: GAO examines how taxpayer dollars are spent and advises lawmakers and agency heads on ways to make government better: Most GAO work is done at the request of congressional committees or subcommittees or is mandated by public laws or committee re reports. GAO also undertakes research under the authority of the Comptroller General: GAO's work spans a range of oversight, insight, and foresight related work: Every GAO report reflects three core values: accountability, integrity, and reliability: GAO's Strategic Plan: One of GAO's four goals relates to the provision of timely, quality service to the Congress and the federal government to address current and emerging challenges to the well-being and financial security of the American people. A key component of this goal relates to the education of Americans of all ages: [See PDF for Image] Serving The Congress And The Nation GAO's Strategic Plan Framework: Mission: GAO exists to support the Congress in meeting its constitutional responsibilities and to help improve the performance and ensure the accountability of the federal government for the benefit of the American people. Themes: Long-Term Fiscal Imbalance: National: Global Interdependence: Changing Economy: Demographics: Science and Technology: Quality of Life: Governance: Goals and Objectives: Provide Timely Quality Service to the Congress and the federal Government to... 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Composition of Federal Spending: [See PDF for image] - graphic text 3 pie charts with 5 items each. 1966: Defense: 43.0%; Social Security: 15.0%; Medicare & Medicaid: 1.0%; Net interest: 7.0%; All other spending: 34.0%. 1986: Defense: 28.0%; Social Security: 20.0%; Medicare & Medicaid: 10.0%; Net interest: 14.0%; All other spending: 29.0%. 2006*: Defense: 20.0%; Social Security: 21.0%; Medicare & Medicaid: 19.0%; Net interest: 9.0%; All other spending: 32.0%. *Preliminary. Source: Office of Management and Budget and the Department of the Treasury. Note: Numbers may not add to 100 percent due to rounding. [End of Figure] Surplus or Deficit as a Share of GDP Fiscal Years 1962-2006: [See PDF for image] - graphic text: Line/Stacked Bar combo chart with 1 line (Unified) and 43 bars. Fiscal year: 1962; On-budget: -1%; Off-budget: -0.2%; Unified: -1.3%. Fiscal year: 1963; On-budget: -0.7%; Off-budget: -0.1%; Unified: -0.8%. Fiscal year: 1964; On-budget: -1%; Off-budget: 0.1%; Unified: -0.9%. Fiscal year: 1965; On-budget: -0.2%; Off-budget: No data; Unified: -0.2%. Fiscal year: 1966; On-budget: -0.4%; Off-budget: -0.1%; Unified: -0.5%. Fiscal year: 1967; On-budget: -1.6%; Off-budget: 0.5%; Unified: -1.1%. Fiscal year: 1968; On-budget: -3.2%; Off-budget: 0.3%; Unified: -2.9%. Fiscal year: 1969; On-budget: -0.1%; Off-budget: 0.4%; Unified: 0.3%. Fiscal year: 1970; On-budget: -0.9%; Off-budget: 0.6%; Unified: -0.3%. Fiscal year: 1971; On-budget: -2.4%; Off-budget: 0.3%; Unified: -2.1%. Fiscal year: 1972; On-budget: -2.2%; Off-budget: 0.3%; Unified: -2%. Fiscal year: 1973; On-budget: -1.2%; Off-budget: No data; Unified: -1.1%. Fiscal year: 1974; On-budget: -0.6%; Off-budget: 0.1%; Unified: -0.4%. Fiscal year: 1975; On-budget: -3.5%; Off-budget: 0.1%; Unified: -3.4%. Fiscal year: 1976; On-budget: -4.1%; Off-budget: -0.2%; Unified: -4.2%. Fiscal year: 1977; On-budget: -2.5%; Off-budget: -0.2%; Unified: -2.7%. Fiscal year: 1978; On-budget: -2.5%; Off-budget: -0.2%; Unified: -2.7%. Fiscal year: 1979; On-budget: -1.5%; Off-budget: -0.1%; Unified: -1.6%. Fiscal year: 1980; On-budget: -2.7%; Off-budget: No data; Unified: -2.7%. Fiscal year: 1981; On-budget: -2.4%; Off-budget: -0.2%; Unified: -2.6%. Fiscal year: 1982; On-budget: -3.7%; Off-budget: -0.2%; Unified: -4%. Fiscal year: 1983; On-budget: -6%; Off-budget: No data; Unified: -6%. Fiscal year: 1984; On-budget: -4.8%; Off-budget: No data; Unified: -4.8%. Fiscal year: 1985; On-budget: -5.3%; Off-budget: 0.2%; Unified: -5.1%. Fiscal year: 1986; On-budget: -5.4%; Off-budget: 0.4%; Unified: -5%. Fiscal year: 1987; On-budget: -3.6%; Off-budget: 0.4%; Unified: -3.2%. Fiscal year: 1988; On-budget: -3.9%; Off-budget: 0.8%; Unified: -3.1%. Fiscal year: 1989; On-budget: -3.8%; Off-budget: 1%; Unified: -2.8%. Fiscal year: 1990; On-budget: -4.8%; Off-budget: 1%; Unified: -3.9%. Fiscal year: 1991; On-budget: -5.4%; Off-budget: 0.9%; Unified: -4.5%. Fiscal year: 1992; On-budget: -5.5%; Off-budget: 0.8%; Unified: -4.7%. Fiscal year: 1993; On-budget: -4.6%; Off-budget: 0.7%; Unified: -3.9%. Fiscal year: 1994; On-budget: -3.7%; Off-budget: 0.8%; Unified: -2.9%. Fiscal year: 1995; On-budget: -3.1%; Off-budget: 0.9%; Unified: -2.2%. Fiscal year: 1996; On-budget: -2.3%; Off-budget: 0.9%; Unified: -1.4%. Fiscal year: 1997; On-budget: -1.3%; Off-budget: 1%; Unified: -0.3%. Fiscal year: 1998; On-budget: -0.3%; Off-budget: 1.1%; Unified: 0.8%. Fiscal year: 1999; On-budget: No data; Off-budget: 1.4%; Unified: 1.4%. Fiscal year: 2000; On-budget: 0.9%; Off-budget: 1.5%; Unified: 2.4%. Fiscal year: 2001; On-budget: -0.3%; Off-budget: 1.6%; Unified: 1.3%. Fiscal year: 2002; On-budget: -3.1%; Off-budget: 1.5%; Unified: -1.5%. Fiscal year: 2003; On-budget: -4.9%; Off-budget: 1.5%; Unified: -3.5%. Fiscal year: 2004; On-budget: -4.9%; Off-budget: 1.3%; Unified: -3.6%. Fiscal year: 2005; On-budget: -4%; Off-budget: 1.4%; Unified: -2.6%. Fiscal year: 2006; On-Budget: -3.3; Off-budget: 1.4; Unified: -1.9. Source: Office of Management and Budget, Department of the Treasury and the Congressional Budget Office. [End of Figure] Fiscal Year 2005 and 2006 Deficits and Net Operating Costs: Dollars in billions. On-Budget Deficit; Fiscal Year 2005: ($494); Fiscal Year 2006: ($434). Off-Budget Surplus*; Fiscal Year 2005: $175; Fiscal Year 2006: $186. Unified Deficit; Fiscal Year 2005: ($319); Fiscal Year 2006: ($248). Net Operating Cost; Fiscal Year 2005: ($760); Fiscal Year 2006: Not available. * Includes $173 billion in Social Security surpluses for fiscal year 2005 and $185 billion for fiscal year 2006; $2 billion in Postal Service surpluses for fiscal year 2005 and $1 billion for fiscal year 2006. Sources: The Office of Management and Budget and the Department of the Treasury. [End of table] Estimated Fiscal Exposures ($ trillions): Explicit liabilities (Publicly held debt, military & civilian pensions & retiree health, other); 2000: $6.9; 2006: $10.2. Commitments & Contingencies: e.g., PBGC, undelivered orders; 2000: $0.5; 2006: $0.9. Implicit exposures; 2000: $13.0; 2006: $38.8. Implicit exposures: Future Social Security benefits; 2000: $3.8; 2006: $6.4. Implicit exposures: Future Medicare Part A benefits; 2000: $2.7; 2006: $11.3. Implicit exposures: Medicare Part B benefits; 2000: $6.5; 2006: $13.1. Implicit exposures: Medicare Part D benefits; 2006: $8.0. Total; 2000: $20.4; 2006: $49.9. Source: U.S. government's consolidated financial statement, Social Security and Medicare Trustees reports and Monthly Treasury Statement, September 30, 2006. Note: 2006 estimates are preliminary. Estimates for Social Security and Medicare are at present value as of January 1 of each year and all other data are as of September 30. [End of table] How Big is Our Growing Fiscal Burden? Our total fiscal burden can be translated and compared as follows: Total fiscal exposures: $49.9 trillion; Total household net worth: $53.3 trillion: * Burden/Net worth ratio: 94 percent. Burden: Per person: $165,000; Per full-time worker: $395,000; Per household: $435,000. Income: Median household income: $46,326; Disposable personal income per capita: $32,392. Notes: (1) Federal Reserve Board, Flow of Funds Accounts, Table B.100, 2006:Q2 (Sept. 19, 2006); (2) Burdens are calculated using estimated total U.S. population as of 9/30/06, from the U.S. Census Bureau; full- time workers reported by the Bureau of Economic Analysis, in NIPA table 6.5D (Aug. 2, 2006); and households reported by the U.S. Census Bureau, in Income, Poverty, and Health Insurance Coverage in the United States: 2005 (Aug. 2006); (3) U.S. Census Bureau, Income, Poverty, and Health Insurance Coverage in the United States: 2005 (Aug. 2006); and (4) Bureau of Economic Analysis, Personal Income and Outlays: September 2006, table 2, 2006:Q3, (Oct. 30, 2006). Sources: GAO analysis. [End of table] Composition of Spending as a Share of GDP Under Baseline Extended (January 2001): [See PDF for image] - graphic text: Line/Stacked Bar combo chart with 4 groups, 1 line (Revenue) and 4 bars per group. 2005; Net interest: 0.8%; Social Security: 4.3%; Medicare & Medicaid: 3.7%; All other spending: 8.0%; Revenue: 20.3%. 2015*; Net interest: 0%; Social Security: 5.1%; Medicare & Medicaid: 4.9%; All other spending: 5.6%; Revenue: 20.4%. 2030*; Net interest: 0%; Social Security: 6.6%; Medicare & Medicaid: 9.4%; All other spending: 4.0%; Revenue: 20.4%. 2040*; Net interest: 0%; Social Security: 6.7%; Medicare & Medicaid: 9.0%; All other spending: 4.4%; Revenue: 20.4%. * All other spending is net of offsetting interest receipts. Source: GAO's January 2001 analysis. [End of Figure] Composition of Spending as a Share of GDP: (Assuming Discretionary Spending Grows with GDP After 2006 and All Expiring Tax Provisions are Extended): [See PDF for image] - graphic text: Line/Stacked Bar combo chart with 4 groups, 1 line (Revenue) and 4 bars per group. 2005; Net interest: 1.5%; Social Security: 4.2%; Medicare & Medicaid: 3.9%; All other spending: 10.5%; Revenue: 17.5% 2015; Net interest: 2.5%; Social Security: 4.5%; Medicare & Medicaid: 5.3%; All other spending: 9.8%; Revenue: 17.5% 2030; Net interest: 7%; Social Security: 6.7%; Medicare & Medicaid: 8.5%; All other spending: 9.8%; Revenue: 17.6% 2040; Net interest: 14%; Social Security: 7.6%; Medicare & Medicaid: 10.3%; All other spending: 9.8%; Revenue: 17.6% Source: GAO's August 2006 analysis. [End of Figure] Current Fiscal Policy Is Unsustainable: The "Status Quo" is Not an Option: * We face large and growing structural deficits largely due to known demographic trends and rising health care costs. * GAO's simulations show that balancing the budget in 2040 could require actions as large as: - Cutting total federal spending by about 60 percent or: - Raising federal taxes to 2 times today's level: Faster Economic Growth Can Help, but It Cannot Solve the Problem: * Closing the current long-term fiscal gap based on reasonable assumptions would require real average annual economic growth in the double digit range every year for the next 75 years. * During the 1990s, the economy grew at an average 3.2 percent per year. * As a result, we cannot simply grow our way out of this problem. Tough choices will be required. The Way Forward: A Three-Pronged Approach: 1. Improve Financial Reporting, Public Education, and Performance Metrics: 2. Strengthen Budget and Legislative Processes and Controls: 3. Fundamental Reexamination & Transformation for the 21st Century (i.e., entitlement programs, other spending, and tax policy): Solutions Require Active Involvement from both the Executive and Legislative Branches: Key National Indicators: What: A portfolio of economic, social, and environmental outcome-based measures that could be used to help assess the nation's and other governmental jurisdictions' position and progress: Who: Many countries and several states, regions, and localities have already undertaken related initiatives (e. ., Australia, New Zealand, Canada, United Kingdom, Oregon, Silicon Valley California) and Boston): Why: Development of such a portfolio of indicators could have a number of possible benefits, including: * Serving as a framework for related strategic planning efforts: * Enhancing performance and accountability reporting: * Informing public policy decisions, including much needed baseline reviews of existing government policies, programs, functions, and activities: * Facilitating public education and debate as well as an informed electorate: Way Forward: Consortium of key players housed b the National Academies domestically and related efforts by the OECD and others internationally: Key National Indicators: Where the World's Sole Superpower Ranks: The United States may be the only superpower, but compared to most other OECD countries on selected key economic, social, and environmental indicators, on average, the U.S. ranks: 16 0ut Of 28: OECD Categories for Key Indicators (2006 OECD Factbook): * Population/Migration; * Energy; * Environment; * Quality of Life; * Macroeconomic Trends; * Labor Market; * Education; * Economic Globalization; * Prices; * Science & Tech; * Public Finance. Source: 2006 OECD Factbook: [End of table] 21st Century Challenges Report: Provides background, framework, and questions to assist in reexamining the base: Covers entitlements & other mandatory spending, discretionary spending, and tax policies and programs: Based on GAO's work for the Congress: Issued February 16, 2005: Twelve Reexamination Areas: Mission Areas: * Defense: * International Affairs: * Education & Employment: * Natural Resources, Energy & Environment: * Financial Regulation & Housing: * Retirement & Disability: * Health Care: * Science & Technology: * Homeland Security: * Transportation: Crosscutting Areas: * Improving Governance: * Reexamining the Tax System: Illustrative 21st Century questions: Education and Employment: How can existing policies and programs be reformed to ensure that employers have sufficient numbers of workers with the right skills? Is there a need for better coordination or integration among higher education policy tools (such as grants, loans, and tax preferences) and/or periodic examination of those policy tools that are not routinely subject to periodic reauthorization or appropriation, such as the Hope and Lifetime Learning tax credits, for which tax filers claimed slightly more than $6 billion in 2005? Illustrative 21St Century Questions: Education and Employment: How can the United States balance immigration policies, such as worker and student visa programs, to address employers' needs for workers with particular skills (particularly math and science), the nation's need to maintain global leadership in areas such as science and higher education, and the nation's homeland security requirements? Comptroller General Forum on Global Competitiveness: Implications for the Nation's Higher Education System: On September 19, 2006, the Comptroller General held a forum at GAO on global competitiveness: Attendees included the Presidents of the American Council on Education and the Council of Graduate Schools, as well as representatives from universities and the U.S. Departments of Education, Labor, State, and Homeland Security: The final document, summarizing the ideas and themes that emerged from the forum, will be released in January, 2007: Changing Landscape of Higher Education: Increasing Competition Worldwide for Talent: The United States relies on its higher education system to attract worldwide talent, stimulate growth in developing countries, and build bridges between nations and cultures: * International students support economic and foreign policy interests: * Talented foreigners bring needed skills to our workforce and have been important sources of innovation and productivity in our increasingly knowledge-based economy: * Even if students return home after their studies are complete, their experiences in the U.S. can foster greater understanding between the U.S. and other nations: However, the global landscape of higher education is changing and providing growing alternatives for students: In addition, changes to U.S. visa policies made after September 11th may have discouraged some students from coming here to study: Given these factors, the federal government has a responsibility to examine the impact of emerging trends in higher education on U.S. competitiveness, and to determine how the U.S. can best ensure that it continues to attract needed skills and to build bridges with other nations: Changing Landscape of Higher Education: Providing More Choices for Students Worldwide: Traditional "sending" countries have improved their educational capacities: - China's higher education capacity has increased by at least 25 percent each year from 2000 to 2004: U.S. universities are establishing campuses abroad and forming alliances with institutions on other continents: - U.S. universities and colleges offer degree programs in at least 40 countries: For-profit companies have expanded offerings, and advancing technology and online options have made it easier for students to take courses from virtually anywhere: - Laureate Education, Inc. reported a worldwide campus-based student enrollment of almost 200, 000 in 2006. Its online enrollment more than doubled between 2002 and 2006 - from 13,268 to 29,134 students. Other Countries Have Implemented Strategies to Attract More International Students: Introduced comprehensive marketing campaigns: - "The New World Class-Educated in New Zealand" - "Hi! Potentials: International careers made in Germany" European countries have a goal to form the "European Higher Education Area" by 2010, which would allow for greater student mobility and degree comparability within the EU and other countries: Changed visa policies to lower barriers to entry: - United Kingdom streamlined student visa application process: As a way to increase their appeal to students, made it easier to stay and work after graduation: - Australia gives additional points on application for permanent residency for degrees earned there: Against This Backdrop, the U.S. Increased Burden on Students Applying for Visas: The United States made some changes post-9/11 that expanded student visa requirements and made it more difficult to apply for a visa: * Required face to face interviews: * The number of security reviews for students and scholars in certain science and technology fields increased: * Many students must pay additional fee to fund Student and Exchange Visitor Information System (SEVIS): These changes, made to help protect our nation's security interests, may have fueled perceptions that some foreign groups are unwelcome here: The State Department recently has made some adjustments to try to help ease burden, such as expediting interviews for students, allowing visas to be issued to students longer in advance of their school start-date, and extending the length of time that some visa clearances are valid: International Student Enrollment in the U.S. Has Leveled Off, but May Soon Rise: Year: 1984-1985; Estimated number of international students: 342,113. Year: 1985-1986; Estimated number of international students: 343,777. Year: 1986-1987; Estimated number of international students: 349,609. Year: 1988-1989; Estimated number of international students: 366,354. Year: 1989-1990; Estimated number of international students: 386,851. Year: 1990-1991; Estimated number of international students: 407,529. Year: 1991-1992; Estimated number of international students: 419,585. Year: 1992-1993; Estimated number of international students: 438,618. Year: 1993-1994; Estimated number of international students: 449,749. Year: 1994-1995; Estimated number of international students: 452,635. Year: 1995-1996; Estimated number of international students: 453,787. Year: 1996-1997; Estimated number of international students: 457,984. Year: 1997-1998; Estimated number of international students: 481,280. Year: 1998-1999; Estimated number of international students: 490,933. Year: 1999-2000; Estimated number of international students: 514,723. Year: 2000-2001; Estimated number of international students: 547,867. Year: 2001-2002; Estimated number of international students: 582,996. Year: 2002-2003; Estimated number of international students: 586,323. Year: 2003-2004; Estimated number of international students: 572,509. Year: 2004-2005; Estimated number of international students: 565,039. Year: 2005-2006; Estimated number of international students: 564,766. * A recent CGS poll of nearly 200 graduate schools showed a 12 percent jump over the previous year in first-year enrollment of international students: Source: Institute of International Education (IIE) data for all years except 2004/05, which is from the College Board Annual Survey of Colleges. [End of Figure] In Addition, the U.S. Has the Most International Students, but Our Share Has Decreased: [See PDF for Image] - graphic text] Bar graph with two bars per country, one representing estimated percentage of international students in 2000 and the other representing the estimated percentage of international students in 2004. Country: New Zealand; 2000: 0.2%; 2004: 2.6%. Country: Japan; 2000: 3.6%; 2004: 4.4%. Country: Canada; 2000: 6.1%; 2004: 5.0%. Country: Australia; 2000: 5.6%; 2004: 6.3%. Country: France; 2000: 7.3%; 2004: 9.0%. Country: Germany; 2000: 10.0%; 2004: 9.8%. Country: United Kingdom; 2000: 11.9%; 2004: 11.3%. Country: United States; 2000: 25.3%; 2004: 21.6%. Country: Other OECD countries*; 2000: 15.3%; 2004: 15.1%. Country: Non-OECD countries; 2000: 14.5%; 2004: 14.8%. * Other countries are: Austria, Spain, Republic, Finland, and Korea. Note: Information in this graph includes only those OECD countries for which both 1998 and 2003 data were available. GAO did not assess the reliability of the data for the percentage of students enrolled in schools outside the U.S. Also, the definition of foreign students is not uniform across countries. Source: Organization for Economic Co-operation and Development (OECD) data. [End of Figure] Tax Preferences More Widely Used Than Federal Financial Aid: [See PDF for Image]- graphic text: Bar graph with two bars for each year. One representing the Title IV aid recipients and the other representing the tax returns claiming postsecondary tax credits and/or tuition deduction. Year: 1997; Title IV aid recipients: 8.07%; Tax returns claiming post secondary tax credits and/or tuition deduction: 0.0%. Year: 1998; Title IV aid recipients: 8.25%; Tax returns claiming post secondary tax credits and/or tuition deduction: 4.65%. Year: 1999; Title IV aid recipients: 8.16%; Tax returns claiming post secondary tax credits and/or tuition deduction: 6.44%. Year: 2000; Title IV aid recipients: 7.78%; Tax returns claiming post secondary tax credits and/or tuition deduction: 6.82%. Year: 2001; Title IV aid recipients: 7.61%; Tax returns claiming post secondary tax credits and/or tuition deduction: 7.21%. Year: 2002; Title IV aid recipients: 8.39%; Tax returns claiming post secondary tax credits and/or tuition deduction: 9.56%. Year: 2003; Title IV aid recipients: 8.39%; Tax returns claiming post secondary tax credits and/or tuition deduction: 10.63%. Year: 2004; Title IV aid recipients: 9.43%; Tax returns claiming post secondary tax credits and/or tuition deduction: 11.63%. Source: GAO analysis of Budget of the United States Government and Internal Revenue Service data (see: [End of figure] Cost of Graduate School Also Problematic: The annual price of attending master's and doctoral programs is on the rise and paying for graduate education is challenging for all students: It will be important to consider what impact, if any, the rise in graduate borrowing will have on future enrollment and employment: CGS and others continue to study these important issues: Key Oversight Areas for Congress: On November 17, 2006, the Comptroller General submitted a letter to Congress recommending three areas of consideration to improve the 110th Congress' oversight of federal programs: Targets for near-term oversight (e.g., enhancing border security and enforcement of existing immigration laws): Policies and programs that are in need of fundamental reform and re- engineering (e.g., assuring the quality and competitiveness of the U.S. education system): Governance issues that should be addressed to help ensure an economical, efficient, ethical, and equitable federal government capable of responding to the various challenges and capitalizing on related opportunities in the 21st century (e.g., pursuing the development of key national indicators): Assuring the Quality and Competitiveness of the U.S. Education System: Recommended Congressional actions to improve oversight of the education system: Assess the impact of efforts to close achievement gaps among disadvantaged populations in K-16+ education: Assess the effectiveness of education programs in meeting the needs of the 21 St century workforce: Assess the efficiency and effectiveness of programs designed to promote access to and affordability of postsecondary education: Assure a proper balance between immigration policies, such as work and student visa programs, to address the nations' need for people with skills (particularly in areas such as math and science) and the nations' homeland security requirements: Key Leadership Attributes Needed for These Challenging and Changing Times: * Courage: * Integrity: * Creativity: * Stewardship: On the Web: Web site: [Hyperlink, http://www.gao.gov/cghome.htm]: Contact: Paul Anderson, Managing Director, Public Affairs AndersonP1@gao.gov (202) 512-4800: U.S. Government Accountability Office 441 G Street NW, Room 7149 Washington, D.C. 20548: Copyright: This is a work of the U.S. government and is not subject to copyright protection in the United States. The published product may be reproduced and distributed in its entirety without further permission from GAO. However, because this work may contain copyrighted images or other material, permission from the copyright holder may be necessary if you wish to reproduce this material separately.