<qa>  What are the effects most likely to emerge within the first year?Participant outcomes will be measured at the time of random assignment and 12, 36, and 60 months after random assignment. Measures that pertain to short-term program effects include amount of savings and material hardship avoidance. These are the effects most likely to emerge within the first year. Additional measures include employment status, earnings, means-tested public benefit receipt, and net worth. In the long-term, effects on homeownership, business ownership, and secondary education attainment are likely to emerge. 