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A Renewed Sense of Optimism

Americans want to feel inspired, confident and optimistic about the future. Turns out we're quite a positive bunch. According to a study Lincoln Financial conducted called "Measuring Optimism, Outlook, and Direction (M.O.O.D.) of America," optimism is on the rise. The percentage of people who express positivity is up since we last asked in 2011. Four of five respondents say they're optimistic about the future, and nearly eight in 10 are optimistic about their overall financial futures.1

Being in Control

Taking charge of our lives and adopting this powerful sense of optimism about our futures is important. People who are in control of their lives generally feel that success in life is determined by forces within their control. Turns out 68 percent of the Americans have this "in control" mindset. They spend quality time with their families and friends, and focus on living a healthy lifestyle. Not surprisingly, they say being debt-free, staying within a budget, paying credit bills in full each month, and putting money away for retirement were all important steps to gain control.

Steps in the Right Direction

We believe financial preparedness is best when it's rooted in optimism that leads to action. It's encouraging that so many Americans are not only confident about the future, but are also taking steps to gain control of it. The M.O.O.D. of America study revealed interesting and unexpected insight into our feelings and actions in today's economic environment. To discover more about M.O.O.D. of America, click on the executive summary and key findings to the right.

Take charge of your future. Learn more at www.LincolnFinancial.com/clo.

1 Survey results are based on an online poll conducted between March 21and 29, 2013, by Whitman Insight Strategies on behalf of Lincoln Financial Group, among 2,322 adults, 18 years of age and older, across the United States.

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Lincoln Financial Group is the marketing name for Lincoln National Corporation and insurance
company affiliates, including The Lincoln National Life Insurance Company, Fort Wayne, IN,
and in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY. Variable products
distributed by broker/dealer-affiliate Lincoln Financial Distributors, Inc., Radnor, PA. Securities
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