The authors would like to thank the many people who contributed to this report by sharing their experiences about IndependentChoices or by reviewing earlier drafts of this report. First, we thank the IndependentChoices staff in Little Rock, who patiently answered our questions over the many years between the inception of the program and the development of this report: Sandy Barrett, Suzanne Crisp, and Debby Ellis. We also thank staff at the counseling/fiscal agencies who spoke with us, the counselors who responded to our mail survey, and the consumers who were unfailingly polite in responding to our telephone interviewers despite their New Jersey accents. Next, we thank the Cash and Counseling management team led by Kevin Mahoney, project director for the Cash and Counseling National Program Office, and the funders for the Cash and Counseling demonstration and evaluation: the Robert Wood Johnson Foundation and the U.S. Department of Health and Human Services, Office of the Assistant Secretary for Planning and Evaluation. We also thank the reports external review panel for their thought-provoking comments: Richard Browdie, Nancy Eustis, Jim Firman, and Robyn Stone. Finally, we thank our MPR colleagues who contributed to the report: Randy Brown (the evaluations project director), Licia Gaber and Amy Zambrowski (who provided tireless programming support), Valerie Cheh (who reviewed the report as a project outsider), Pat Ciaccio (who edited the report), and last, but certainly not least, Marjorie Mitchell (who produced the report).