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"[HOPE Founder and CEO, John Bryant, said,] Hurricane Katrina communicated in the strongest terms possible, the need for individuals to prepare for the financial and economic disaster that follows a physical disaster in America. Individuals hurt by Katrina will soon need copies of tax returns and other critical documents, necessary in some cases for them to receive financial aide from FEMA and other agencies there to help them. ... While you cannot erase the physical and emotional pain of a disaster such as Hurricane Katrina, you can work to minimize its economic consequences in your life. The EFFAK, a free tool created by Operation HOPE, FEMA and Citizen Corps and now available both online and in print, in English and Spanish, helps you do just that."