image of the Navy a community has. They are frequently in areas remote from military installa- tions  and  associated  support  facilities.  Their success requires hard work, exceptional dedica- tion to duty, and a strong belief in the advantages of  a  Navy  career. SUBMARINES. —Initial submarine training is a basic course of instruction. The purpose of the school is to complete required screening of personnel for duty in the submarine service and  provide  basic  training  to  help  personnel successfully complete the change to submarine duty.  Enlisted  personnel  who  volunteer  for submarine duty normally receive assignments to this  school  before  reporting  to  their  first submarine. While high standards of personal conduct and reliability are requirements of all members of the naval service, they are especially important for personnel  assigned  to  submarines. NAVY DIVER, EXPLOSIVE ORDNANCE DISPOSAL, AND SPECIAL WARFARE. —The Navy Diver (DV), Explosive Ordnance Disposal (EOD), and Special Warfare (Sea-Air-Land [SEAL])  Programs  make  up  the  Navy’s  elite diving force. Navy fleet divers use scuba and surface- supplied diving equipment and enhanced deep- diving systems to perform underwater salvage maintenance and repair operations. EOD divers are highly skilled technicians trained to identify and dispose of all types of ordnance. SEAL divers receive training in conducting combat operations. Although the training for each diver program is physically and mentally demanding, successful completion of entry-level training provides ample rewards for those who accept the challenge. Graduates will be members of a professionally demanding community, entitled to special-duty assignment pay, hazardous-duty incentive pay (for EOD and SEAL personnel), and entitlement to SRB multiples. BUPERS CONTROLLED CAREER COUN- SELING  PROGRAM.  —The BUPERS Con- trolled Career Counseling Program provides for the assignment of full-time career counselors from ratings other than Navy Counselor (NC). Person- nel receive assignments to activities that have no authorized NC billet or to where an NC is not available for assignment. FINANCIAL   MANAGEMENT INFORMATION As a petty officer second class, you must set the example for your subordinates. This example extends into your personal life as well as your professional  conduct. Setting the standard in matters of personal financial responsibility is particularly important. The policy of the Department of the Navy is “to promote habits of thrift and encour- age . . .  conduct of financial affairs in such a manner as to reflect credit upon the naval service.” Your commanding officer does not have the authority to act as an agent or collector. The enforcement of the private debts of the service member is a matter for civil authorities. Before it gets to this point, petty officers must provide the necessary financial information to their troops to avoid any financial problems. Many commands provide financial counselors to advise sailors in financial difficulties, or you can provide this financial management informa- tion. Family Service Centers and local legal assistance officers also provide counseling. For further financial management information, section 62 of the Naval Military Personnel Manual offers some good advice to all paygrades. PERSONNEL FINANCIAL MANAGEMENT During your naval career, you will have many occasions to counsel and advise your people on their  personal  financial  management,  respon- sibilities, and debts. You can expect a continuation, and possibly an  increase,  in  the  number  of  young  service members needing your help in managing their financial affairs. The consumer debt—the amount Americans borrow for large purchases such as cars, appliances, and furniture—as well as revolv- ing credit continues spiraling upward. Repayment of these consumer loans and home loans slices more than a quarter from every dollar a wage earner takes home. Navy personnel are no exception. In fact, a young service member’s take-home pay may be less than the national average. You can help your people learn to have foresight about finances that will help them balance their income, savings, and spending. 4-11