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