... Management: The Connection between Knowledge and BehaviorMarianne A. Hilgert and Jeanne M. Hogarth, of the Board’s Division of Consumer and CommunityAffairs, and Sondra G. Beverly, of the University ... Schuchardt and Sommer Clarke, of the U.S. Department of Agriculture, and Manisha Sharma, of the Board’sDivision of Consumer and Community Affairs, contributed to the development of the survey design and ... covering consumer attitudes and expecta-tions and the respondents’ socioeconomic and demo-graphic characteristics.34In the November and December 2001 surveys, the Federal Reserve Boardcommissioned...