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The EFEC program is a pioneering initiative in Spain promoted by a public-private partnership formed by the departments of Education and Finance of the Generalitat of Catalonia, the Institute of Financial Studies (IEF) and financial institutions there are: CaixaBank, Banc Sabadell, BBVA, Banco Santander, Caixa d'Enginyers and the Catalan Institute of Finance (ICF), in collaboration with the Association of Economists of Catalonia and EFPA (Spanish Association of Advisors and Planners financial-Patrimonial).