One of the Long Finance questions we frequently pose is, "can a 20-year-old responsibly enter into a financial structure for his or her retirement?” Our friends at the Centre for the Study of Financial Innovation (CSFI) are taking a daring, some might say foolhardy, step by actually asking 20 year olds (actually 18 to 25 year olds is the target range) what they think about financial services. While we recognize that not too many of our regulars meet that target demographic, we suspect that many of our readers have some influence over those who do, especially over the seasonal break.