U.S. Air Force 2nd Lt. Carter Murphy, Air Combat Command operations analyst, talks with 1st Lt. Robert Pekarek, ACC operations analyst, at the Financial Readiness Summit, Joint Base Langley-Eustis, Virginia, Feb. 25, 2025. Participants of the credit management class were encouraged to share experiences with each other to identify common misconceptions about credit. (U.S. Air Force photo by Airman 1st Class Donnell Ramsey)