<standards name='IN_PF'><title>Indiana Standards in Personal Finance</title><content><![CDATA[<font color='#333333'><p>These standards in personal finance are current as of <b>2008</b>. No Internet connection was detected. When you have an Internet connection, the application will automatically look for updated standards for your state.</p><br><p>View the <a href="asfunction:loadstandard,standards_in_ve4.xml">State Standards in Economics</a>.</p><br><p>Visit the <a href='asfunction:gotoWebPage,http://ve.councilforeconed.org/library/state-standards.php?state=in_pf'>web site</a> to learn more.</p><p>----------------------------------------------------------------</p><p class='contentarea'>Content Area: Financial Literacy</p><p>----------------------------------------------------------------</p><p class='contentarea'>Standard: 8-1.1.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>FINANCIAL RESPONSIBILITY AND DECISION MAKING- Demonstrate management of individual and family finances by applying reliable information and systematic decision making.</li><li><textformat leftmargin='15'>Demonstrate taking responsibility for personal financial decisions.</textformat></li><li><textformat leftmargin='30'>Describe the benefits of financial responsibility and the costs of financial irresponsibility.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147031|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-1.2.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>FINANCIAL RESPONSIBILITY AND DECISION MAKING- Demonstrate management of individual and family finances by applying reliable information and systematic decision making.</li><li><textformat leftmargin='15'>Analyze financial information from a variety of reliable sources.</textformat></li><li><textformat leftmargin='30'>Analyze online and printed sources of financial information by describing strengths and weaknesses of each.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147032|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-1.3.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>FINANCIAL RESPONSIBILITY AND DECISION MAKING- Demonstrate management of individual and family finances by applying reliable information and systematic decision making.</li><li><textformat leftmargin='15'>Utilize consumer protection laws and resources.</textformat></li><li><textformat leftmargin='30'>Describe unfair or deceptive business practices that are forbidden by consumer protection laws.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147034|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-1.4.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>FINANCIAL RESPONSIBILITY AND DECISION MAKING- Demonstrate management of individual and family finances by applying reliable information and systematic decision making.</li><li><textformat leftmargin='15'>Make financial decisions by systematically considering alternatives and consequences.</textformat></li><li><textformat leftmargin='30'>Set measurable short-term and medium-term financial goals.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147036|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-1.4.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>FINANCIAL RESPONSIBILITY AND DECISION MAKING- Demonstrate management of individual and family finances by applying reliable information and systematic decision making.</li><li><textformat leftmargin='15'>Make financial decisions by systematically considering alternatives and consequences.</textformat></li><li><textformat leftmargin='30'>Evaluate the results of financial decisions.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147037|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-1.4.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>FINANCIAL RESPONSIBILITY AND DECISION MAKING- Demonstrate management of individual and family finances by applying reliable information and systematic decision making.</li><li><textformat leftmargin='15'>Make financial decisions by systematically considering alternatives and consequences.</textformat></li><li><textformat leftmargin='30'>Apply systematic decision making to short-term and medium-term goals.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147038|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-1.5.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>FINANCIAL RESPONSIBILITY AND DECISION MAKING- Demonstrate management of individual and family finances by applying reliable information and systematic decision making.</li><li><textformat leftmargin='15'>Demonstrate communication strategies for discussing financial issues.</textformat></li><li><textformat leftmargin='30'>Explain benefits of discussing important financial matters with household members and/or financial personnel.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147039|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-1.5.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>FINANCIAL RESPONSIBILITY AND DECISION MAKING- Demonstrate management of individual and family finances by applying reliable information and systematic decision making.</li><li><textformat leftmargin='15'>Demonstrate communication strategies for discussing financial issues.</textformat></li><li><textformat leftmargin='30'>Identify factors that explain differing values and attitudes about money.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147040|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-2.1.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>RELATING INCOME AND CAREERS- Analyze how education, income, career, and life choices relate to achieving financial goals.</li><li><textformat leftmargin='15'>Describe how career choice, education, skills, entrepreneurship, and economic conditions affect income.</textformat></li><li><textformat leftmargin='30'>Explain how an individual’s interests, knowledge, abilities, and career and job choices affect income.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147042|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-2.1.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>RELATING INCOME AND CAREERS- Analyze how education, income, career, and life choices relate to achieving financial goals.</li><li><textformat leftmargin='15'>Describe how career choice, education, skills, entrepreneurship, and economic conditions affect income.</textformat></li><li><textformat leftmargin='30'>Summarize the financial risks and benefits of entrepreneurship as a career choice.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147043|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-2.2.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>RELATING INCOME AND CAREERS- Analyze how education, income, career, and life choices relate to achieving financial goals.</li><li><textformat leftmargin='15'>Identify sources of personal income.</textformat></li><li><textformat leftmargin='30'>Give examples of sources of income other than wages or salary.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147045|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-2.3.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>RELATING INCOME AND CAREERS- Analyze how education, income, career, and life choices relate to achieving financial goals.</li><li><textformat leftmargin='15'>Explain how taxes and employee benefits relate to disposable income.</textformat></li><li><textformat leftmargin='30'>Describe taxable income and employee benefits.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147046|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-3.1.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>PLANNING AND MANAGING MONEY- Manage money effectively by developing financial goals and budgets.</li><li><textformat leftmargin='15'>Demonstrate ability to use money management skills and strategies.</textformat></li><li><textformat leftmargin='30'>Explain basic budget categories, including income, taxes, planned savings, and fixed and variable expenses.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147048|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-3.1.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>PLANNING AND MANAGING MONEY- Manage money effectively by developing financial goals and budgets.</li><li><textformat leftmargin='15'>Demonstrate ability to use money management skills and strategies.</textformat></li><li><textformat leftmargin='30'>Explain the relationship between spending practices and achieving financial goals.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147049|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-3.2.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>PLANNING AND MANAGING MONEY- Manage money effectively by developing financial goals and budgets.</li><li><textformat leftmargin='15'>Develop a system for keeping and using financial records.</textformat></li><li><textformat leftmargin='30'>Create a system to record income and spending for purchases, services, and taxes.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147050|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-3.3.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>PLANNING AND MANAGING MONEY- Manage money effectively by developing financial goals and budgets.</li><li><textformat leftmargin='15'>Analyze services of financial institutions.</textformat></li><li><textformat leftmargin='30'>Compare the advantages and disadvantages of different payment methods, including cash, checks, stored-value cards, debit cards, credit cards, and electronic or online payment systems.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147052|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-3.3.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>PLANNING AND MANAGING MONEY- Manage money effectively by developing financial goals and budgets.</li><li><textformat leftmargin='15'>Analyze services of financial institutions.</textformat></li><li><textformat leftmargin='30'>Demonstrate steps in establishing and maintaining financial accounts including checking and savings accounts, on-line banking, investments, and other financial services.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147053|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-3.4.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>PLANNING AND MANAGING MONEY- Manage money effectively by developing financial goals and budgets.</li><li><textformat leftmargin='15'>Apply consumer skills to purchase decisions.</textformat></li><li><textformat leftmargin='30'>Analyze how external factors, such as marketing and advertising techniques, influence spending decisions for different individuals.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147054|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-3.4.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>PLANNING AND MANAGING MONEY- Manage money effectively by developing financial goals and budgets.</li><li><textformat leftmargin='15'>Apply consumer skills to purchase decisions.</textformat></li><li><textformat leftmargin='30'>Apply systematic decision making to choose among courses of action that include a range of spending, delayed spending, and non-spending alternatives.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147056|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-3.5.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>PLANNING AND MANAGING MONEY- Manage money effectively by developing financial goals and budgets.</li><li><textformat leftmargin='15'>Connect the role of charitable giving, volunteer service, and philanthropy to community development and quality of life.</textformat></li><li><textformat leftmargin='30'>Determine how charitable giving can fit into a personal budget and appropriate percentages for giving.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147057|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-3.6.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>PLANNING AND MANAGING MONEY- Manage money effectively by developing financial goals and budgets.</li><li><textformat leftmargin='15'>Develop a personal financial plan.</textformat></li><li><textformat leftmargin='30'>Explain the relationship between spending practices and achieving financial goals.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147058|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-3.6.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>PLANNING AND MANAGING MONEY- Manage money effectively by developing financial goals and budgets.</li><li><textformat leftmargin='15'>Develop a personal financial plan.</textformat></li><li><textformat leftmargin='30'>Illustrate allocation of a weekly allowance among the financial goals of spending, saving/investing, and sharing/giving.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147059|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-3.6.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>PLANNING AND MANAGING MONEY- Manage money effectively by developing financial goals and budgets.</li><li><textformat leftmargin='15'>Develop a personal financial plan.</textformat></li><li><textformat leftmargin='30'>Create a plan to secure funding for a financial goal.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147060|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-4.1.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>MANAGING CREDIT AND DEBT- Manage credit and debt to remain both creditworthy and financially secure.</li><li><textformat leftmargin='15'>Analyze the costs and benefits of using various types of credit.</textformat></li><li><textformat leftmargin='30'>Compare advantages and disadvantages of various types of credit.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147062|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-4.1.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>MANAGING CREDIT AND DEBT- Manage credit and debt to remain both creditworthy and financially secure.</li><li><textformat leftmargin='15'>Analyze the costs and benefits of using various types of credit.</textformat></li><li><textformat leftmargin='30'>Explain factors to consider when using credit or obtaining a loan.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147063|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-4.1.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>MANAGING CREDIT AND DEBT- Manage credit and debt to remain both creditworthy and financially secure.</li><li><textformat leftmargin='15'>Analyze the costs and benefits of using various types of credit.</textformat></li><li><textformat leftmargin='30'>Determine the total cost of repaying credit and loans under various rates of interest and over different periods.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147064|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-4.2.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>MANAGING CREDIT AND DEBT- Manage credit and debt to remain both creditworthy and financially secure.</li><li><textformat leftmargin='15'>Analyze factors that influence establishing and maintaining a good credit rating.</textformat></li><li><textformat leftmargin='30'>Describe the information in a credit report and how long it is retained.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147065|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-4.2.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>MANAGING CREDIT AND DEBT- Manage credit and debt to remain both creditworthy and financially secure.</li><li><textformat leftmargin='15'>Analyze factors that influence establishing and maintaining a good credit rating.</textformat></li><li><textformat leftmargin='30'>Explain the value of a positive credit history and credit reports to consumers, borrowers and lenders.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147066|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-4.3.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>MANAGING CREDIT AND DEBT- Manage credit and debt to remain both creditworthy and financially secure.</li><li><textformat leftmargin='15'>Analyze methods and benefits of avoiding or correcting credit and debt problems.</textformat></li><li><textformat leftmargin='30'>Identify possible credit and debt problems and ways to avoid them.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147067|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-4.3.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>MANAGING CREDIT AND DEBT- Manage credit and debt to remain both creditworthy and financially secure.</li><li><textformat leftmargin='15'>Analyze methods and benefits of avoiding or correcting credit and debt problems.</textformat></li><li><textformat leftmargin='30'>Describe actions that a consumer can take to reduce or better manage excessive debt.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147068|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-4.4.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>MANAGING CREDIT AND DEBT- Manage credit and debt to remain both creditworthy and financially secure.</li><li><textformat leftmargin='15'>Analyze major consumer credit laws.</textformat></li><li><textformat leftmargin='30'>Explain the rights, responsibilities, and protections of buyers and sellers under consumer credit laws.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147069|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-5.1.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>RISK MANAGEMENT AND INSURANCE- Analyze the features of insurance, its role in balancing risk and benefits in financial planning.</li><li><textformat leftmargin='15'>Analyze the nature of personal financial risk and the importance of protecting against financial loss.</textformat></li><li><textformat leftmargin='30'>Explain the relationship between risk and insurance.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147070|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-5.1.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>RISK MANAGEMENT AND INSURANCE- Analyze the features of insurance, its role in balancing risk and benefits in financial planning.</li><li><textformat leftmargin='15'>Analyze the nature of personal financial risk and the importance of protecting against financial loss.</textformat></li><li><textformat leftmargin='30'>Explain how insurance deductibles work.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147071|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-5.2.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>RISK MANAGEMENT AND INSURANCE- Analyze the features of insurance, its role in balancing risk and benefits in financial planning.</li><li><textformat leftmargin='15'>Analyze the need for and value of various types of insurance across stages of the life cycle.</textformat></li><li><textformat leftmargin='30'>Describe the need for and value of health, property, life, disability, and liability insurance.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147072|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-5.2.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>RISK MANAGEMENT AND INSURANCE- Analyze the features of insurance, its role in balancing risk and benefits in financial planning.</li><li><textformat leftmargin='15'>Analyze the need for and value of various types of insurance across stages of the life cycle.</textformat></li><li><textformat leftmargin='30'>Identify factors to consider when determining the amount of protection needed.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147073|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-5.2.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>RISK MANAGEMENT AND INSURANCE- Analyze the features of insurance, its role in balancing risk and benefits in financial planning.</li><li><textformat leftmargin='15'>Analyze the need for and value of various types of insurance across stages of the life cycle.</textformat></li><li><textformat leftmargin='30'>Identify factors that can influence insurance costs.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147074|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-5.3.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>RISK MANAGEMENT AND INSURANCE- Analyze the features of insurance, its role in balancing risk and benefits in financial planning.</li><li><textformat leftmargin='15'>Apply concepts related to financial risk, protection from loss, and financial planning.</textformat></li><li><textformat leftmargin='30'>Apply opportunity-cost analysis to potential situations that can threaten personal and family income and assets.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147075|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-5.3.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>RISK MANAGEMENT AND INSURANCE- Analyze the features of insurance, its role in balancing risk and benefits in financial planning.</li><li><textformat leftmargin='15'>Apply concepts related to financial risk, protection from loss, and financial planning.</textformat></li><li><textformat leftmargin='30'>Analyze importance of developing plans for protecting current and future personal and family assets against financial loss.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147076|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-6.1.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>SAVING AND INVESTING- Analyze saving and investing to build long-term financial security and wealth.</li><li><textformat leftmargin='15'>Explain how saving contributes to financial wellbeing.</textformat></li><li><textformat leftmargin='30'>Describe the advantages and disadvantages of saving for short-term and medium-term financial goals.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147077|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-6.1.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>SAVING AND INVESTING- Analyze saving and investing to build long-term financial security and wealth.</li><li><textformat leftmargin='15'>Explain how saving contributes to financial wellbeing.</textformat></li><li><textformat leftmargin='30'>Explain simple interest, compound interest, and the benefits of a compound rate of return.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147078|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-6.2.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>SAVING AND INVESTING- Analyze saving and investing to build long-term financial security and wealth.</li><li><textformat leftmargin='15'>Apply strategies for creating wealth and building assets.</textformat></li><li><textformat leftmargin='30'>Compare reasons and risk/return trade-offs for saving and for investing.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147079|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-6.2.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>SAVING AND INVESTING- Analyze saving and investing to build long-term financial security and wealth.</li><li><textformat leftmargin='15'>Apply strategies for creating wealth and building assets.</textformat></li><li><textformat leftmargin='30'>Define the time value of money and explain how small amounts of money invested regularly over time grow exponentially.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147080|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-6.2.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>SAVING AND INVESTING- Analyze saving and investing to build long-term financial security and wealth.</li><li><textformat leftmargin='15'>Apply strategies for creating wealth and building assets.</textformat></li><li><textformat leftmargin='30'>Devise a periodic investment plan for accumulating the money for a major life goal.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147081|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-6.3.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>SAVING AND INVESTING- Analyze saving and investing to build long-term financial security and wealth.</li><li><textformat leftmargin='15'>Compare investment alternatives.</textformat></li><li><textformat leftmargin='30'>Compare the investment potential of investment options such as stocks, bonds, certificates of deposit, and savings accounts.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147082|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-6.3.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>SAVING AND INVESTING- Analyze saving and investing to build long-term financial security and wealth.</li><li><textformat leftmargin='15'>Compare investment alternatives.</textformat></li><li><textformat leftmargin='30'>Explain how inflation affects investment returns.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147083|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-6.4.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>SAVING AND INVESTING- Analyze saving and investing to build long-term financial security and wealth.</li><li><textformat leftmargin='15'>Describe how to buy and sell investments.</textformat></li><li><textformat leftmargin='30'>Describe various sources of investment information, including prospectuses, online resources, and financial publications.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147084|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-6.4.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>SAVING AND INVESTING- Analyze saving and investing to build long-term financial security and wealth.</li><li><textformat leftmargin='15'>Describe how to buy and sell investments.</textformat></li><li><textformat leftmargin='30'>Research and track publicly traded stock and record daily market values and gains or losses between two specified dates.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147085|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-6.5.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>SAVING AND INVESTING- Analyze saving and investing to build long-term financial security and wealth.</li><li><textformat leftmargin='15'>Analyze factors that affect the rate of return on investments.</textformat></li><li><textformat leftmargin='30'>Explain how the time value of money and economic conditions affect the rate of return on investments.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147086|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-6.5.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>SAVING AND INVESTING- Analyze saving and investing to build long-term financial security and wealth.</li><li><textformat leftmargin='15'>Analyze factors that affect the rate of return on investments.</textformat></li><li><textformat leftmargin='30'>Identify taxes on investments and income tax–free earnings limit for an investor under the age of 18.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147087|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 8-6.6.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 8</p><br><li>SAVING AND INVESTING- Analyze saving and investing to build long-term financial security and wealth.</li><li><textformat leftmargin='15'>Analyze how agencies that regulate financial markets protect investors.</textformat></li><li><textformat leftmargin='30'>Describe benefits and limits of deposit insurance.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147088|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-1.1.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Financial Responsibility and Decision Making- Demonstrate management of individual and family finances by applying reliable information and systematic decision making.</li><li><textformat leftmargin='15'>Demonstrate taking responsibility for personal financial decisions.</textformat></li><li><textformat leftmargin='30'>Explain how individuals demonstrate responsibility for financial well-being over a lifetime.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147090|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-1.1.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Financial Responsibility and Decision Making- Demonstrate management of individual and family finances by applying reliable information and systematic decision making.</li><li><textformat leftmargin='15'>Demonstrate taking responsibility for personal financial decisions.</textformat></li><li><textformat leftmargin='30'>Analyze ways financial responsibility is different for individuals with and without dependents.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147091|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-1.2.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Financial Responsibility and Decision Making- Demonstrate management of individual and family finances by applying reliable information and systematic decision making.</li><li><textformat leftmargin='15'>Analyze financial information from a variety of reliable sources.</textformat></li><li><textformat leftmargin='30'>Analyze financial information for objectivity, accuracy, relevancy to given needs, and currency.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147092|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-1.2.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Financial Responsibility and Decision Making- Demonstrate management of individual and family finances by applying reliable information and systematic decision making.</li><li><textformat leftmargin='15'>Analyze financial information from a variety of reliable sources.</textformat></li><li><textformat leftmargin='30'>Investigate current types of consumer fraud, including online scams.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147093|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-1.2.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Financial Responsibility and Decision Making- Demonstrate management of individual and family finances by applying reliable information and systematic decision making.</li><li><textformat leftmargin='15'>Analyze financial information from a variety of reliable sources.</textformat></li><li><textformat leftmargin='30'>Summarize factors to consider when selecting a financial planning professional or tax adviser.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147094|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-1.3.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Financial Responsibility and Decision Making- Demonstrate management of individual and family finances by applying reliable information and systematic decision making.</li><li><textformat leftmargin='15'>Utilize consumer protection laws and resources.</textformat></li><li><textformat leftmargin='30'>Analyze consumer protection laws for the issues they address and the safeguards they provide.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147096|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-1.3.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Financial Responsibility and Decision Making- Demonstrate management of individual and family finances by applying reliable information and systematic decision making.</li><li><textformat leftmargin='15'>Utilize consumer protection laws and resources.</textformat></li><li><textformat leftmargin='30'>Demonstrate steps for resolving a consumer complaint.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147097|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-1.4.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Financial Responsibility and Decision Making- Demonstrate management of individual and family finances by applying reliable information and systematic decision making.</li><li><textformat leftmargin='15'>Make financial decisions by systematically considering alternatives and consequences.</textformat></li><li><textformat leftmargin='30'>Set measurable short-term, medium-term, and long-term financial goals.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147098|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-1.4.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Financial Responsibility and Decision Making- Demonstrate management of individual and family finances by applying reliable information and systematic decision making.</li><li><textformat leftmargin='15'>Make financial decisions by systematically considering alternatives and consequences.</textformat></li><li><textformat leftmargin='30'>Evaluate the results of financial decisions.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147099|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-1.4.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Financial Responsibility and Decision Making- Demonstrate management of individual and family finances by applying reliable information and systematic decision making.</li><li><textformat leftmargin='15'>Make financial decisions by systematically considering alternatives and consequences.</textformat></li><li><textformat leftmargin='30'>Apply systematic decision making to long-term goals.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147100|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-1.5.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Financial Responsibility and Decision Making- Demonstrate management of individual and family finances by applying reliable information and systematic decision making.</li><li><textformat leftmargin='15'>Demonstrate communication strategies for discussing financial issues.</textformat></li><li><textformat leftmargin='30'>Compare and contrast the benefits of sharing financial goals and personal finance information with a potential partner before forming a partnership.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147101|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-1.6.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Financial Responsibility and Decision Making- Demonstrate management of individual and family finances by applying reliable information and systematic decision making.</li><li><textformat leftmargin='15'>Demonstrate strategies to control personal information.</textformat></li><li><textformat leftmargin='30'>Describe the actions a victim of identity theft needs to take to restore personal security.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147103|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-2.2.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Relating Income & Careers- Analyze how education, income, career, and life choices relate to achieving financial goals.</li><li><textformat leftmargin='15'>Describe how career choice, education, skills, entrepreneurship, and economic conditions affect income.</textformat></li><li><textformat leftmargin='30'>Analyze ways economic, social, cultural, and political conditions can affect income and career potential.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147104|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-2.1.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Relating Income & Careers- Analyze how education, income, career, and life choices relate to achieving financial goals.</li><li><textformat leftmargin='15'>Describe how career choice, education, skills, entrepreneurship, and economic conditions affect income.</textformat></li><li><textformat leftmargin='30'>Analyze the financial risks and benefits of entrepreneurship as a career choice.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147105|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-2.2.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Relating Income & Careers- Analyze how education, income, career, and life choices relate to achieving financial goals.</li><li><textformat leftmargin='15'>Identify sources of personal income.</textformat></li><li><textformat leftmargin='30'>Define gift, rent, interest, dividend, capital gain, tip, commission, and business profit income.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147106|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-2.2.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Relating Income & Careers- Analyze how education, income, career, and life choices relate to achieving financial goals.</li><li><textformat leftmargin='15'>Identify sources of personal income.</textformat></li><li><textformat leftmargin='30'>Describe ways people in the community can benefit from local government assistance programs.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147107|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-2.3.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Relating Income & Careers- Analyze how education, income, career, and life choices relate to achieving financial goals.</li><li><textformat leftmargin='15'>Explain how taxes and employee benefits relate to disposable income.</textformat></li><li><textformat leftmargin='30'>Describe benefits of employer sponsored savings plans and other options for shifting current income to the future. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147109|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-3.1.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Planning, Managing Money- Manage money effectively by developing financial goals and budgets.</li><li><textformat leftmargin='15'>Demonstrate ability to use money management skills and strategies.</textformat></li><li><textformat leftmargin='30'>Create a budget a basic budget with categories for income, taxes, planned savings, and fixed and variable expenses.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147110|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-3.1.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Planning, Managing Money- Manage money effectively by developing financial goals and budgets.</li><li><textformat leftmargin='15'>Demonstrate ability to use money management skills and strategies.</textformat></li><li><textformat leftmargin='30'>Demonstrate budgeting to manage spending and achieve financial goals.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147111|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-3.2.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Planning, Managing Money- Manage money effectively by developing financial goals and budgets.</li><li><textformat leftmargin='15'>Develop a system for keeping and using financial records.</textformat></li><li><textformat leftmargin='30'>Demonstrate use of a system to record income and spending for purchases, services, and taxes.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147112|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-3.2.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Planning, Managing Money- Manage money effectively by developing financial goals and budgets.</li><li><textformat leftmargin='15'>Develop a system for keeping and using financial records.</textformat></li><li><textformat leftmargin='30'>Demonstrate recordkeeping that utilizes a financial institutions online account management system.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147113|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-3.3.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Planning, Managing Money- Manage money effectively by developing financial goals and budgets.</li><li><textformat leftmargin='15'>Analyze services of financial institutions.</textformat></li><li><textformat leftmargin='30'>Demonstrate skill in executing different payment methods, including cash, checks, stored-value cards, debit cards, credit cards, and electronic or online payment systems. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147114|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-3.3.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Planning, Managing Money- Manage money effectively by developing financial goals and budgets.</li><li><textformat leftmargin='15'>Analyze services of financial institutions.</textformat></li><li><textformat leftmargin='30'>Demonstrate skill in basic financial tasks, including bill payments, check writing, reconciling checking and debit account statements, and monitoring printed and online account statements for accuracy.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147115|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-3.4.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Planning, Managing Money- Manage money effectively by developing financial goals and budgets.</li><li><textformat leftmargin='15'>Apply consumer skills to purchase decisions.</textformat></li><li><textformat leftmargin='30'>Evaluate impact of external factors on spending decisions.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147116|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-3.4.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Planning, Managing Money- Manage money effectively by developing financial goals and budgets.</li><li><textformat leftmargin='15'>Apply consumer skills to purchase decisions.</textformat></li><li><textformat leftmargin='30'>Apply knowledge of external factors to justify a consumer buying decision.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147117|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-3.4.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Planning, Managing Money- Manage money effectively by developing financial goals and budgets.</li><li><textformat leftmargin='15'>Apply consumer skills to purchase decisions.</textformat></li><li><textformat leftmargin='30'>Compare the benefits and costs of owning a house versus renting a house.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147118|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-3.5.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Planning, Managing Money- Manage money effectively by developing financial goals and budgets.</li><li><textformat leftmargin='15'>Connect the role of charitable giving, volunteer service, and philanthropy to community development and quality of life.</textformat></li><li><textformat leftmargin='30'>Demonstrate budgeting financial and other resources to make contributions to a charitable organization.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147119|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-3.6.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Planning, Managing Money- Manage money effectively by developing financial goals and budgets.</li><li><textformat leftmargin='15'>Develop a personal financial plan.</textformat></li><li><textformat leftmargin='30'>Analyze ways to modify spending practices to achieve financial goals.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147120|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-3.6.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Planning, Managing Money- Manage money effectively by developing financial goals and budgets.</li><li><textformat leftmargin='15'>Develop a personal financial plan.</textformat></li><li><textformat leftmargin='30'>Develop a personal financial plan that shows allocation of income, spending, saving/ investing, and sharing/giving over a year-long time span.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147121|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-3.6.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Planning, Managing Money- Manage money effectively by developing financial goals and budgets.</li><li><textformat leftmargin='15'>Develop a personal financial plan.</textformat></li><li><textformat leftmargin='30'>Analyze a plan to secure funding for a financial goal.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147122|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-4.1.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Managing Credit & Debt- Manage credit and debt to remain both creditworthy and financially secure.</li><li><textformat leftmargin='15'>Analyze the costs and benefits of using various types of credit.</textformat></li><li><textformat leftmargin='30'>Calculate the cost of borrowing a set amount of money using various types of credit.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147124|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-4.1.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Managing Credit & Debt- Manage credit and debt to remain both creditworthy and financially secure.</li><li><textformat leftmargin='15'>Analyze the costs and benefits of using various types of credit.</textformat></li><li><textformat leftmargin='30'>Explain how grace periods, methods of calculating interest, and fees affect borrowing costs.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147125|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-4.1.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Managing Credit & Debt- Manage credit and debt to remain both creditworthy and financially secure.</li><li><textformat leftmargin='15'>Analyze the costs and benefits of using various types of credit.</textformat></li><li><textformat leftmargin='30'>Apply systematic decision making to identify the most cost-effective option for making a major purchase.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147126|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-4.2.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Managing Credit & Debt- Manage credit and debt to remain both creditworthy and financially secure.</li><li><textformat leftmargin='15'>Analyze factors that influence establishing and maintaining a good credit rating.</textformat></li><li><textformat leftmargin='30'>Explain how a credit report affects creditworthiness and the cost of credit.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147127|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-4.2.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Managing Credit & Debt- Manage credit and debt to remain both creditworthy and financially secure.</li><li><textformat leftmargin='15'>Analyze factors that influence establishing and maintaining a good credit rating.</textformat></li><li><textformat leftmargin='30'>Describe ways a negative credit report affect a consumer's financial future and steps to take to improve it.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147128|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-4.3.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Managing Credit & Debt- Manage credit and debt to remain both creditworthy and financially secure.</li><li><textformat leftmargin='15'>Analyze methods and benefits of avoiding or correcting credit and debt problems.</textformat></li><li><textformat leftmargin='30'>Describe debtors' and creditors' rights related to wage garnishing and repossession when an overdue debt is not paid.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147129|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-4.3.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Managing Credit & Debt- Manage credit and debt to remain both creditworthy and financially secure.</li><li><textformat leftmargin='15'>Analyze methods and benefits of avoiding or correcting credit and debt problems.</textformat></li><li><textformat leftmargin='30'>Describe possible consequences of excessive debt.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147130|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-5.1.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Risk Management & Insurance- Analyze the features of insurance, its role in balancing risk and benefits in financial planning.</li><li><textformat leftmargin='15'>Analyze the nature of personal financial risk and the importance of protecting against financial loss.</textformat></li><li><textformat leftmargin='30'>Analyze various insurance policies according to their deductibles.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147133|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-5.2.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Risk Management & Insurance- Analyze the features of insurance, its role in balancing risk and benefits in financial planning.</li><li><textformat leftmargin='15'>Analyze the need for and value of various types of insurance across stages of the life cycle.</textformat></li><li><textformat leftmargin='30'>Analyze the amount of coverage a person needs for health, property, life, disability, and liability insurance.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147134|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-5.2.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Risk Management & Insurance- Analyze the features of insurance, its role in balancing risk and benefits in financial planning.</li><li><textformat leftmargin='15'>Analyze the need for and value of various types of insurance across stages of the life cycle.</textformat></li><li><textformat leftmargin='30'>Compare the costs of auto insurance for the same vehicle, given two different deductibles and two different liability coverage limits.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147135|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-5.2.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Risk Management & Insurance- Analyze the features of insurance, its role in balancing risk and benefits in financial planning.</li><li><textformat leftmargin='15'>Analyze the need for and value of various types of insurance across stages of the life cycle.</textformat></li><li><textformat leftmargin='30'>Analyze factors that can reduce or increase insurance costs.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147136|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-5.3.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Risk Management & Insurance- Analyze the features of insurance, its role in balancing risk and benefits in financial planning.</li><li><textformat leftmargin='15'>Apply concepts related to financial risk, protection from loss, and financial planning.</textformat></li><li><textformat leftmargin='30'>Compare various programs that provide financial assistance for income loss due to illness, disability, or premature death.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147137|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-5.3.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Risk Management & Insurance- Analyze the features of insurance, its role in balancing risk and benefits in financial planning.</li><li><textformat leftmargin='15'>Apply concepts related to financial risk, protection from loss, and financial planning.</textformat></li><li><textformat leftmargin='30'>Recommend insurance that protects one from the risks a young adult might face.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147138|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-6.1.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Saving & Investing- Analyze saving and investing to build long-term financial security and wealth.</li><li><textformat leftmargin='15'>Explain how saving contributes to financial wellbeing.</textformat></li><li><textformat leftmargin='30'>Compare saving strategies, including "pay yourself first payroll deduction and comparison shopping to spend less."</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147139|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-6.1.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Saving & Investing- Analyze saving and investing to build long-term financial security and wealth.</li><li><textformat leftmargin='15'>Explain how saving contributes to financial wellbeing.</textformat></li><li><textformat leftmargin='30'>Compare the interest generated by simple and compound interest at various rates.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147140|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-6.2.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Saving & Investing- Analyze saving and investing to build long-term financial security and wealth.</li><li><textformat leftmargin='15'>Apply strategies for creating wealth and building assets.</textformat></li><li><textformat leftmargin='30'>Compare various investing strategies for their potential to build wealth.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147141|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-6.2.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Saving & Investing- Analyze saving and investing to build long-term financial security and wealth.</li><li><textformat leftmargin='15'>Apply strategies for creating wealth and building assets.</textformat></li><li><textformat leftmargin='30'>Analyze an investment utilizing the principles of time value of money.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147142|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-6.2.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Saving & Investing- Analyze saving and investing to build long-term financial security and wealth.</li><li><textformat leftmargin='15'>Apply strategies for creating wealth and building assets.</textformat></li><li><textformat leftmargin='30'>Calculate the end value of lump sum and periodic investments.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147143|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-6.3.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Saving & Investing- Analyze saving and investing to build long-term financial security and wealth.</li><li><textformat leftmargin='15'>Compare investment alternatives.</textformat></li><li><textformat leftmargin='30'>Analyze the benefits of various investments options in the current economy.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147144|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-6.3.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Saving & Investing- Analyze saving and investing to build long-term financial security and wealth.</li><li><textformat leftmargin='15'>Compare investment alternatives.</textformat></li><li><textformat leftmargin='30'>Analyze an investment utilizing principles of inflation.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147145|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-6.4.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Saving & Investing- Analyze saving and investing to build long-term financial security and wealth.</li><li><textformat leftmargin='15'>Describe how to buy and sell investments.</textformat></li><li><textformat leftmargin='30'>Compare advantages and disadvantages of buying and selling investments through various channels, including financial advisors, investment clubs, and online brokers.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147146|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-6.4.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Saving & Investing- Analyze saving and investing to build long-term financial security and wealth.</li><li><textformat leftmargin='15'>Describe how to buy and sell investments.</textformat></li><li><textformat leftmargin='30'>Compare the investment objectives and historical rates of return of various stocks and mutual funds.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147147|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-6.5.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Saving & Investing- Analyze saving and investing to build long-term financial security and wealth.</li><li><textformat leftmargin='15'>Analyze factors that affect the rate of return on investments.</textformat></li><li><textformat leftmargin='30'>Analyze the rate of return on investments using time value of money and economic conditions as factors.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147148|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 12-6.6.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By End of Grade 12</p><br><li>Saving & Investing- Analyze saving and investing to build long-term financial security and wealth.</li><li><textformat leftmargin='15'>Analyze how agencies that regulate financial markets protect investors.</textformat></li><li><textformat leftmargin='30'>Analyze risk to various deposits base on deposit insurance.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147150|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br></font>]]>
</content>
<correlations>
<standard id='147031'>68238,68278,68235,68094,62644,65755,65758,65764,65760,20810,20811,60226,60224,20838,60214,20837,20798,20844,65762,67917,702,792,346,746,157,45,581,579,586,403,</standard>
<standard id='147032'>68244,68246,68242,60217,68094,60234,60223,68243,68245,60226,60218,15851,60227,68239,68241,60213,62645,62640,68095,68097,515,37,789,157,702,553,346,727,153,725,</standard>
<standard id='147034'>67915,60314,60316,60230,67873,68240,60318,67872,15857,60218,60223,60217,62641,62640,68094,62643,62644,20801,65758,60234,727,773,719,522,356,355,746,542,702,647,</standard>
<standard id='147036'>68277,60213,68278,62640,60216,60218,60219,60220,60215,68239,68094,60212,68097,60221,68095,60223,62208,67878,62214,62645,153,719,539,773,725,702,727,918,686,203,</standard>
<standard id='147037'>68238,68278,68235,68094,62644,65755,65758,65764,65760,20810,20811,60226,60224,20838,60214,20837,20798,20844,65762,67917,702,792,346,746,157,45,581,579,586,403,</standard>
<standard id='147038'>68243,60223,60217,68241,68094,68242,68244,68246,68097,60213,60218,60234,60227,60224,60225,68278,60226,68245,15851,20801,37,515,725,349,702,157,553,773,719,346,</standard>
<standard id='147039'>68235,68238,68278,60214,62644,68239,20803,20802,67878,60212,60215,20800,60316,68094,68141,15857,15854,68282,15848,60226,702,346,792,469,355,746,556,157,45,490,</standard>
<standard id='147040'>68235,68238,68278,60214,62644,68239,20803,20802,67878,60212,60215,20800,60316,68094,68141,15857,15854,68282,15848,60226,702,346,792,469,355,746,556,157,45,490,</standard>
<standard id='147042'>20806,68237,68142,20811,20799,20835,20798,20800,20803,20810,60315,20808,20807,20767,20802,68236,60338,60335,60333,68277,203,719,702,692,153,676,539,490,542,664,</standard>
<standard id='147043'>68094,20804,68236,67875,68139,20801,68270,20800,68232,62647,68245,68243,60228,60218,62631,60223,60217,20812,60234,60213,476,692,695,727,719,725,676,501,228,62,</standard>
<standard id='147045'>68277,60213,68278,62640,60216,60218,60219,60220,60215,68239,68094,60212,68097,60221,68095,60223,62208,67878,62214,62645,153,719,539,773,725,702,727,918,686,203,</standard>
<standard id='147046'>67915,60318,68240,60316,15857,60230,60314,67873,67872,65764,61970,62643,62644,62641,65758,68248,62640,67916,65767,65766,355,522,746,542,356,702,719,462,626,526,</standard>
<standard id='147048'>68235,68238,68278,60214,62644,68239,20803,20802,67878,60212,60215,20800,60316,68094,68141,15857,15854,68282,15848,60226,702,346,792,469,355,746,556,157,45,490,</standard>
<standard id='147049'>68235,68238,68278,60214,62644,68239,20803,20802,67878,60212,60215,20800,60316,68094,68141,15857,15854,68282,15848,60226,702,346,792,469,355,746,556,157,45,490,</standard>
<standard id='147050'>68235,68238,68278,60214,62644,68239,20803,20802,67878,60212,60215,20800,60316,68094,68141,15857,15854,68282,15848,60226,702,346,792,469,355,746,556,157,45,490,</standard>
<standard id='147052'>68094,67878,68239,68242,68244,68246,68238,68235,68278,60214,60234,60226,20803,20802,62644,60316,20800,60212,60215,68141,702,346,157,45,792,469,37,515,556,746,</standard>
<standard id='147053'>68235,68238,68278,60214,62644,68239,20803,20802,67878,60212,60215,20800,60316,68094,68141,15857,15854,68282,15848,60226,702,346,792,469,355,746,556,157,45,490,</standard>
<standard id='147054'>68279,67880,60229,60232,68280,67915,68242,15855,20802,68094,67874,60333,20804,68274,62634,62635,15856,62642,68096,67917,747,553,961,328,276,579,664,369,394,259,</standard>
<standard id='147056'>68238,68278,68235,68094,62644,65755,65758,65764,65760,20810,20811,60226,60224,20838,60214,20837,20798,20844,65762,67917,702,792,346,746,157,45,581,579,586,403,</standard>
<standard id='147057'>68235,68238,68278,60214,62644,68239,20803,20802,67878,60212,60215,20800,60316,68094,68141,15857,15854,68282,15848,60226,702,346,792,469,355,746,556,157,45,490,</standard>
<standard id='147058'>60223,68243,60217,60234,68094,60218,68245,60213,60227,68241,68246,68242,68244,60215,60216,60222,68239,60226,60212,67878,553,37,515,727,725,157,153,702,686,346,</standard>
<standard id='147059'>68235,68238,68278,60214,62644,68239,20803,20802,67878,60212,60215,20800,60316,68094,68141,15857,15854,68282,15848,60226,702,346,792,469,355,746,556,157,45,490,</standard>
<standard id='147060'>68278,67878,68094,60215,68239,60212,60214,68277,68238,68235,68141,20803,68244,60234,68242,68246,68241,60226,60224,60213,702,346,157,792,469,206,773,719,539,153,</standard>
<standard id='147062'>68246,68244,68242,62645,68095,62640,68247,60225,68094,68239,60226,60222,60234,67878,15851,68097,60232,60223,68241,68243,37,515,346,789,45,157,702,345,337,338,</standard>
<standard id='147063'>68246,68244,68242,62645,68095,62640,68247,60225,68094,68239,60226,60222,60234,67878,15851,68097,60232,60223,68241,68243,37,515,346,789,45,157,702,345,337,338,</standard>
<standard id='147064'>68246,68244,68242,62645,68095,62640,68247,60225,68094,68239,60226,60222,60234,67878,15851,68097,60232,60223,68241,68243,37,515,346,789,45,157,702,345,337,338,</standard>
<standard id='147065'>68246,68244,68242,62645,68095,62640,68247,60225,68094,68239,60226,60222,60234,67878,15851,68097,60232,60223,68241,68243,37,515,346,789,45,157,702,345,337,338,</standard>
<standard id='147066'>68246,68244,68242,62645,68095,62640,68247,60225,68094,68239,60226,60222,60234,67878,15851,68097,60232,60223,68241,68243,37,515,346,789,45,157,702,345,337,338,</standard>
<standard id='147067'>67878,68239,68094,68244,68242,68246,62645,62640,68247,68095,60226,60222,60234,60225,68097,15851,68141,68282,20803,60316,702,157,346,45,515,37,789,746,556,355,</standard>
<standard id='147068'>68235,68238,68278,60214,62644,68239,20803,20802,67878,60212,60215,20800,60316,68094,68141,15857,15854,68282,15848,60226,702,346,792,469,355,746,556,157,45,490,</standard>
<standard id='147069'>68246,68244,68242,62645,68095,62640,68247,60225,68094,68239,60226,60222,60234,67878,15851,68097,60232,60223,68241,68243,37,515,346,789,45,157,702,345,337,338,</standard>
<standard id='147070'>68245,60227,68243,60234,60217,20801,60223,68094,60213,60218,68139,68236,67875,65769,20804,67874,67917,20842,67915,67876,476,354,553,501,668,676,727,695,692,376,</standard>
<standard id='147071'>65762,65761,65763,65764,65765,65760,65759,65755,65756,65757,65758,65766,65767,67875,67874,67876,67877,67878,67873,67872,354,338,328,346,325,345,337,322,299,276,</standard>
<standard id='147072'>65762,65761,65763,65764,65765,65760,65759,65755,65756,65757,65758,65766,65767,67875,67874,67876,67877,67878,67873,67872,354,338,328,346,325,345,337,322,299,276,</standard>
<standard id='147073'>65762,65761,65763,65764,65765,65760,65759,65755,65756,65757,65758,65766,65767,67875,67874,67876,67877,67878,67873,67872,354,338,328,346,325,345,337,322,299,276,</standard>
<standard id='147074'>65762,65761,65763,65764,65765,65760,65759,65755,65756,65757,65758,65766,65767,67875,67874,67876,67877,67878,67873,67872,354,338,328,346,325,345,337,322,299,276,</standard>
<standard id='147075'>67916,67915,60226,60224,67914,20801,68238,20838,60334,20810,65764,65760,20811,65755,65762,65758,68143,67917,68234,20836,354,346,581,792,773,308,592,702,579,746,</standard>
<standard id='147076'>68277,60213,68278,62640,60216,60218,60219,60220,60215,68239,68094,60212,68097,60221,68095,60223,62208,67878,62214,62645,153,719,539,773,725,354,702,727,206,918,</standard>
<standard id='147077'>68278,68094,60212,68239,67878,60215,60214,68277,20803,60234,68235,60224,60213,60226,68238,68244,68246,68141,68242,68241,702,346,157,725,719,153,539,206,773,469,</standard>
<standard id='147078'>68246,60223,68242,68244,68243,68095,68097,68094,60222,62640,62645,60226,60225,60212,67878,15851,68241,60217,60219,60218,515,37,789,702,157,346,727,719,686,725,</standard>
<standard id='147079'>60223,60217,68243,68245,60227,60218,60213,68094,60234,68246,68244,68242,68241,62208,60219,60220,60221,68239,15851,62214,553,37,515,476,725,727,719,773,686,349,</standard>
<standard id='147080'>68246,60223,68242,68244,68243,68095,68097,68094,60222,62640,62645,60226,60225,60212,67878,15851,68241,60217,60219,60218,515,37,789,702,157,346,727,719,686,725,</standard>
<standard id='147081'>68277,60213,68278,62640,60216,60218,60219,60220,60215,68239,68094,60212,68097,60221,68095,60223,62208,67878,62214,62645,153,719,539,773,725,702,727,918,686,203,</standard>
<standard id='147082'>60223,68243,60217,60213,68245,60234,60218,60227,68242,60219,60220,60221,68241,60216,60215,68094,68095,68097,68244,68239,553,515,476,37,918,505,501,634,647,645,</standard>
<standard id='147083'>68243,60223,60217,68246,68242,60234,60227,60213,68245,60218,68241,68244,68097,68095,68239,60216,60222,60224,60221,60220,515,37,553,918,476,395,368,349,719,702,</standard>
<standard id='147084'>60223,68243,60217,60213,68245,60234,60218,60227,68242,60219,60220,60221,68241,60216,60215,68094,68095,68097,68244,68239,553,515,476,37,918,505,501,634,647,645,</standard>
<standard id='147085'>60223,68242,60215,60224,68245,68243,60228,60217,60222,60219,60218,68280,60221,60234,60220,68239,62645,60216,60233,68097,918,501,634,647,505,645,371,58,253,345,</standard>
<standard id='147086'>60223,68243,68242,60217,68246,68095,60218,68245,68094,60234,60213,62645,68097,68244,60222,60227,60212,68280,60220,68239,515,476,37,501,553,634,647,645,505,371,</standard>
<standard id='147087'>68277,60213,68278,62640,60216,60218,60219,60220,60215,68239,68094,60212,68097,60221,68095,60223,62208,67878,62214,62645,153,719,539,773,725,702,727,918,686,203,</standard>
<standard id='147088'>68277,60213,68278,62640,60216,60218,60219,60220,60215,68239,68094,60212,68097,60221,68095,60223,62208,67878,62214,62645,153,719,539,773,725,702,727,918,686,203,</standard>
<standard id='147090'>68295,60215,17813,17812,60212,68287,68305,56530,60214,56529,60254,60234,17837,15964,62480,60226,60224,56532,63120,56533,305,707,346,121,36,388,558,691,275,773,</standard>
<standard id='147091'>68295,60215,17813,17812,60212,68287,68305,56530,60214,56529,60254,60234,17837,15964,62480,60226,60224,56532,63120,56533,305,707,346,121,36,388,558,691,275,773,</standard>
<standard id='147092'>17811,62224,17812,60214,56530,56529,67858,65743,17796,56532,17798,17795,56533,60224,56534,56531,15424,17806,17818,15423,94,346,306,707,162,312,319,388,691,121,</standard>
<standard id='147093'>68035,68036,68033,67669,68041,67733,68037,67755,68040,17818,15955,15953,60261,15954,60258,67667,60230,67670,60257,60316,759,306,542,522,355,694,632,459,773,748,</standard>
<standard id='147094'>68297,60217,60223,60227,68104,60213,62512,60234,68307,68306,67738,60218,62454,17810,20829,62144,63120,68300,60221,60222,553,84,603,175,570,388,36,37,847,698,</standard>
<standard id='147096'>68035,68036,68033,67669,68041,67733,68037,67755,68040,17818,15955,15953,60261,15954,60258,67667,60230,67670,60257,60316,759,306,542,522,355,694,632,459,773,748,</standard>
<standard id='147097'>68035,68036,68033,67669,68041,67733,68037,67755,68040,17818,15955,15953,60261,15954,60258,67667,60230,67670,60257,60316,759,306,542,522,355,694,632,459,773,748,</standard>
<standard id='147098'>68287,60212,60215,17812,68295,17813,68305,60214,56530,56529,67740,67738,15964,62480,62479,60254,17837,60213,67749,63120,305,707,346,36,558,121,388,691,153,773,</standard>
<standard id='147099'>56531,60226,56532,17795,56534,56533,67669,67670,67668,15424,67667,17818,20863,60224,17799,20851,68289,20859,17812,17811,271,581,346,759,273,707,386,341,582,181,</standard>
<standard id='147100'>68287,60212,60215,17813,68305,17812,68295,60214,56529,56530,67858,65743,17811,68141,60234,60226,63120,60224,56532,56533,346,707,305,36,691,121,558,388,113,94,</standard>
<standard id='147101'>65743,60214,67858,56529,56530,17811,60316,62592,60215,17813,17812,60212,62224,68294,68295,68302,68305,68293,68287,67756,346,650,94,113,306,707,17,305,36,355,</standard>
<standard id='147103'>62144,68300,17810,20829,68297,60226,60225,62516,68104,68111,68110,60234,15962,60222,17812,67851,62273,62276,67734,62606,26,175,84,388,36,37,603,847,570,45,</standard>
<standard id='147104'>56530,56529,17809,68142,15429,15952,15951,68290,15964,60315,67736,56531,68292,60214,60259,20863,67764,17813,62480,62584,719,650,994,203,154,1011,94,602,692,676,</standard>
<standard id='147105'>67738,56530,17813,68291,20862,62138,67750,68139,67669,67668,62132,62584,68290,62588,68106,62599,60223,68104,62591,60213,533,543,264,719,725,764,772,283,692,536,</standard>
<standard id='147106'>65743,60214,67858,56529,56530,17811,60316,62592,60215,17813,17812,60212,62224,68294,68295,68302,68305,68293,68287,67756,346,650,94,113,306,707,17,305,36,355,</standard>
<standard id='147107'>67669,67757,68036,68034,68037,17818,68041,68040,68033,67733,68035,67755,60257,20827,60258,68062,15961,67667,68105,17820,459,522,759,542,694,355,306,773,785,663,</standard>
<standard id='147109'>68297,17810,68300,20829,60223,62144,62273,68104,62450,15962,62516,17812,60222,60254,68306,68308,65690,60226,68287,62451,175,84,570,388,847,36,603,37,547,346,</standard>
<standard id='147110'>65743,60214,67858,56529,56530,17811,60316,62592,60215,17813,17812,60212,62224,68294,68295,68302,68305,68293,68287,67756,346,650,94,113,306,707,17,305,36,355,</standard>
<standard id='147111'>65743,60214,67858,56529,56530,17811,60316,62592,60215,17813,17812,60212,62224,68294,68295,68302,68305,68293,68287,67756,346,650,94,113,306,707,17,305,36,355,</standard>
<standard id='147112'>65743,60214,67858,56529,56530,17811,60316,62592,60215,17813,17812,60212,62224,68294,68295,68302,68305,68293,68287,67756,346,650,94,113,306,707,17,305,36,355,</standard>
<standard id='147113'>65743,60214,67858,56529,56530,17811,60316,62592,60215,17813,17812,60212,62224,68294,68295,68302,68305,68293,68287,67756,346,650,94,113,306,707,17,305,36,355,</standard>
<standard id='147114'>68302,68305,68295,17812,62144,68300,68297,17810,20829,65743,67858,60226,60214,17811,56529,56530,60234,62273,62592,62276,388,36,346,45,121,162,847,37,175,84,</standard>
<standard id='147115'>65743,60214,67858,56529,56530,17811,60316,62592,60215,17813,17812,60212,62224,68294,68295,68302,68305,68293,68287,67756,346,650,94,113,306,707,17,305,36,355,</standard>
<standard id='147116'>20815,17804,60229,60232,60251,17807,68109,20817,20818,20819,67855,15949,67755,15428,17801,62141,67748,17802,17806,68058,317,508,60,758,132,201,259,47,46,650,</standard>
<standard id='147117'>56531,60226,56532,17795,56534,56533,67669,67670,67668,15424,67667,17818,20863,60224,17799,20851,68289,20859,17812,17811,271,581,346,759,273,707,386,341,582,181,</standard>
<standard id='147118'>17811,65740,17798,60224,56532,56531,67670,17796,56534,17795,67850,68057,17806,67667,67668,67669,20821,20851,60226,17818,94,306,346,707,625,386,181,535,463,759,</standard>
<standard id='147119'>65743,60214,67858,56529,56530,17811,60316,62592,60215,17813,17812,60212,62224,68294,68295,68302,68305,68293,68287,67756,346,650,94,113,306,707,17,305,36,355,</standard>
<standard id='147120'>65743,60214,67858,56529,56530,17811,60316,62592,60215,17813,17812,60212,62224,68294,68295,68302,68305,68293,68287,67756,346,650,94,113,306,707,17,305,36,355,</standard>
<standard id='147121'>68287,60212,60215,17813,68305,17812,68295,60214,56529,56530,67858,65743,17811,68141,60234,60226,63120,60224,56532,56533,346,707,305,36,691,121,558,388,113,94,</standard>
<standard id='147122'>17811,62224,17812,60214,56530,56529,67858,65743,17796,56532,17798,17795,56533,60224,56534,56531,15424,17806,17818,15423,94,346,306,707,162,312,319,388,691,121,</standard>
<standard id='147124'>62144,68300,17810,20829,68297,60226,60225,62516,68104,68111,68110,60234,15962,60222,17812,67851,62273,62276,67734,62606,26,175,84,388,36,37,603,847,570,45,</standard>
<standard id='147125'>62144,68300,17810,20829,68297,60226,60225,62516,68104,68111,68110,60234,15962,60222,17812,67851,62273,62276,67734,62606,26,175,84,388,36,37,603,847,570,45,</standard>
<standard id='147126'>17811,62224,17812,60214,56530,56529,67858,65743,17796,56532,17798,17795,56533,60224,56534,56531,15424,17806,17818,15423,94,346,306,707,162,312,319,388,691,121,</standard>
<standard id='147127'>62144,68300,17810,20829,68297,60226,60225,62516,68104,68111,68110,60234,15962,60222,17812,67851,62273,62276,67734,62606,26,175,84,388,36,37,603,847,570,45,</standard>
<standard id='147128'>62144,68300,17810,20829,68297,60226,60225,62516,68104,68111,68110,60234,15962,60222,17812,67851,62273,62276,67734,62606,26,175,84,388,36,37,603,847,570,45,</standard>
<standard id='147129'>62144,68300,17810,20829,68297,60226,60225,62516,68104,68111,68110,60234,15962,60222,17812,67851,62273,62276,67734,62606,26,175,84,388,36,37,603,847,570,45,</standard>
<standard id='147130'>68302,68305,68295,17812,62144,68300,68297,20829,17810,62451,62516,62601,62605,62602,62450,15962,60254,60225,60222,60226,388,36,346,45,121,162,847,175,570,84,</standard>
<standard id='147133'>65742,65740,68110,68296,65743,65741,65591,65592,65590,65589,65587,65588,65599,65593,65596,65595,65586,65597,65598,65594,354,312,185,190,186,188,184,189,181,128,</standard>
<standard id='147134'>65740,65742,65741,65743,56533,56532,56534,56531,17795,60226,67670,67668,15424,67669,67667,17818,68296,68110,17798,20863,312,354,581,346,759,271,121,341,773,386,</standard>
<standard id='147135'>65742,65740,68110,68296,65743,65741,65591,65592,65590,65589,65587,65588,65599,65593,65596,65595,65586,65597,65598,65594,354,312,185,190,186,188,184,189,181,128,</standard>
<standard id='147136'>65742,65740,68110,68296,65743,65741,65591,65592,65590,65589,65587,65588,65599,65593,65596,65595,65586,65597,65598,65594,354,312,185,190,186,188,184,189,181,128,</standard>
<standard id='147137'>65742,65740,68110,68296,65743,65741,65591,65592,65590,65589,65587,65588,65599,65593,65596,65595,65586,65597,65598,65594,354,312,185,190,186,188,184,189,181,128,</standard>
<standard id='147138'>65742,65740,68110,68296,65743,65741,65591,65592,65590,65589,65587,65588,65599,65593,65596,65595,65586,65597,65598,65594,354,312,185,190,186,188,184,189,181,128,</standard>
<standard id='147139'>65592,65593,65594,65591,65590,65588,65589,65595,65596,65601,65602,65600,65599,65597,65598,65587,65586,63114,63115,63113,186,185,188,189,190,184,181,128,127,129,</standard>
<standard id='147140'>60223,68297,68104,68306,17810,62144,68300,20829,20828,20825,60217,68287,60225,60226,15962,17812,60212,60222,60254,62516,84,175,388,37,36,603,847,570,547,353,</standard>
<standard id='147141'>68297,60223,17810,68300,20829,62144,68104,68306,60217,60222,60226,60225,68287,62450,17812,60212,62516,62273,62451,15962,175,84,570,388,847,36,603,37,547,346,</standard>
<standard id='147142'>17810,60223,68297,60226,60225,60224,17812,56532,56533,56534,60217,68104,60218,68306,62450,20829,65740,67738,62454,60227,388,847,175,773,707,333,121,271,346,334,</standard>
<standard id='147143'>60223,68297,62144,68104,20829,60217,68306,68300,17810,20825,68287,60222,20828,62454,62273,60213,60212,67738,62450,15962,84,175,388,847,37,36,570,603,121,353,</standard>
<standard id='147144'>60223,60217,68297,68104,60234,60227,60213,60218,62454,62144,68307,60221,63120,15960,60222,60220,17830,20829,60224,60215,553,388,570,603,698,335,333,36,37,84,</standard>
<standard id='147145'>68307,62144,60217,60223,17810,17830,60213,60254,62454,60234,65723,65690,15960,60227,60219,60218,60215,60220,60221,60224,36,333,292,335,334,698,175,275,348,353,</standard>
<standard id='147146'>56532,60226,56533,56534,17810,60224,17812,60225,60223,68297,65740,62450,60218,68306,68104,60217,67738,60234,67668,67669,271,773,346,388,121,543,707,847,719,725,</standard>
<standard id='147147'>60217,60223,60213,68104,62454,60218,68110,60227,60234,68307,62144,68297,60220,60221,60224,60222,60219,60215,67857,68032,371,479,505,335,333,131,253,292,771,334,</standard>
<standard id='147148'>60217,60223,60227,68104,62454,60218,60234,68110,60213,68307,68297,62144,67857,67738,68032,68109,62602,15960,68111,68106,479,533,264,543,553,505,371,335,131,253,</standard>
<standard id='147150'>60217,68297,60223,67738,60227,68306,62512,68307,68104,60234,62454,60213,60218,62144,17810,20829,63120,68300,68287,17813,553,388,175,570,698,603,84,847,37,36,</standard>
</correlations>
</standards>