<standards name='MD_PF'><title>Maryland Standards in Personal Finance</title><content><![CDATA[<font color='#333333'><p>These standards in personal finance are current as of <b>2010</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_md_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=md_pf'>web site</a> to learn more.</p><p>----------------------------------------------------------------</p><p class='contentarea'>Content Area: Personal Finance</p><p>----------------------------------------------------------------</p><p class='contentarea'>Standard: 1.5.A.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions. </li><li><textformat leftmargin='15'>Explain that people make financial choices based on available resources, needs and wants. </textformat></li><li><textformat leftmargin='30'>Explain the consequences of making financial decisions. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147391|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.5.A.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Explain that people make financial choices based on available resources, needs and wants.</textformat></li><li><textformat leftmargin='30'>Identify opportunity cost of financial decisions made by individuals. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147392|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.5.A.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Explain that people make financial choices based on available resources, needs and wants.</textformat></li><li><textformat leftmargin='30'>Apply the steps in the decision-making process to a financial situation. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147393|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.5.A.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Explain that people make financial choices based on available resources, needs and wants.</textformat></li><li><textformat leftmargin='30'>Describe the concept of financial obligations, such as borrowing and "IOUs"". "</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147394|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.5.B.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Explain attitudes, assumptions and patterns of behavior regarding money, saving, investing, and work and how they affect personal consumer decisions. </textformat></li><li><textformat leftmargin='30'>Identify factors that affect personal financial decisions and actions. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147395|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.5.C.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Apply financial knowledge, attitudes and skills. </textformat></li><li><textformat leftmargin='30'>Develop and apply financial literacy and vocabulary. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147397|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.5.C.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Apply financial knowledge, attitudes and skills.</textformat></li><li><textformat leftmargin='30'>Describe different ways in which consumers plan their purchasing decisions. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147398|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.5.C.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Apply financial knowledge, attitudes and skills.</textformat></li><li><textformat leftmargin='30'>Identify personal financial goals. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147399|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.5.C.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Apply financial knowledge, attitudes and skills.</textformat></li><li><textformat leftmargin='30'>Identify examples of responsible financial decision. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147400|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.5.D.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Describe different types of retail markets. </textformat></li><li><textformat leftmargin='30'>Describe market situations where buyers and sellers meet exchange goods and services. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147401|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.5.D.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Describe different types of retail markets.</textformat></li><li><textformat leftmargin='30'>Identify markets that are not face-to-face meetings such as Internet shopping and catalog shopping. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147402|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.8.A.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Analyze the financial choices that people make based on available resources, needs and wants for goods and services. </textformat></li><li><textformat leftmargin='30'>Predict the consequences of making financial decisions. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147403|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.8.A.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Analyze the financial choices that people make based on available resources, needs and wants for goods and services.</textformat></li><li><textformat leftmargin='30'>Describe opportunity cost of financial decisions made by individuals. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147404|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.8.A.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Analyze the financial choices that people make based on available resources, needs and wants for goods and services.</textformat></li><li><textformat leftmargin='30'>Predict the financial outcomes in an applied decision-making process. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147405|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.8.A.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Analyze the financial choices that people make based on available resources, needs and wants for goods and services.</textformat></li><li><textformat leftmargin='30'>Explain the concept of financial obligations, such as promissory notes and contracts. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147406|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.8.A.5</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Analyze the financial choices that people make based on available resources, needs and wants for goods and services.</textformat></li><li><textformat leftmargin='30'>Describe the legal and ethical factors involved in making personal financial decisions. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147407|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.8.B.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Analyze attitudes, assumptions, and patterns of behavior regarding money, saving , investing, and work including the impact on relationships. </textformat></li><li><textformat leftmargin='30'>Compare factors that affect personal financial decisions and actions. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147408|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.8.B.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Analyze attitudes, assumptions, and patterns of behavior regarding money, saving , investing, and work including the impact on relationships.</textformat></li><li><textformat leftmargin='30'>Connect the role of philanthropy, volunteer service, and charities to community development and quality of life. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147409|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.8.B.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Analyze attitudes, assumptions, and patterns of behavior regarding money, saving , investing, and work including the impact on relationships.</textformat></li><li><textformat leftmargin='30'>Examine individual differences in decisions made as a consumer. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147410|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.8.C.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Integrate and apply financial knowledge, attitudes, and skills. </textformat></li><li><textformat leftmargin='30'>Develop and apply financial literacy and vocabulary. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147411|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.8.C.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Integrate and apply financial knowledge, attitudes, and skills.</textformat></li><li><textformat leftmargin='30'>Develop an informed and responsible action to resolve personal financial literacy questions and issues. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147412|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.8.C.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Integrate and apply financial knowledge, attitudes, and skills.</textformat></li><li><textformat leftmargin='30'>Describe methods to achieve personal financial goals. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147413|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.8.C.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Integrate and apply financial knowledge, attitudes, and skills.</textformat></li><li><textformat leftmargin='30'>Differentiate between responsible and irresponsible financial decisions. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147414|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.8.D.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Compare different types of markets</textformat></li><li><textformat leftmargin='30'>Compare at least three markets that sell similar goods and services and explain how factors, such as cost, material quality and durability affect consumer decisions. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147415|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.8.D.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Compare different types of markets</textformat></li><li><textformat leftmargin='30'>Identify fees associated with markets that are not face-to-face such as shipping and handling. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147416|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.8.E.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Analyze the economic impacts government, business, and consumer financial decisions. </textformat></li><li><textformat leftmargin='30'>Form hypotheses regarding the impact of the global economy on personal financial planning. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147417|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.8.E.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Analyze the economic impacts government, business, and consumer financial decisions.</textformat></li><li><textformat leftmargin='30'>Predict the consequences of personal consumer decisions and actions on the global economy and the environment. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147418|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.8.E.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Analyze the economic impacts government, business, and consumer financial decisions.</textformat></li><li><textformat leftmargin='30'>Describe the impacts of business, government, and consumer financial decisions on the individual, family, and community. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147419|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.12.A.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Evaluate the financial choices that are made based on available resources, needs, and wants for goods and services. </textformat></li><li><textformat leftmargin='30'>Explain how scarcity and opportunity cost affect decision-making. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147420|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.12.A.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Evaluate the financial choices that are made based on available resources, needs, and wants for goods and services.</textformat></li><li><textformat leftmargin='30'>Analyze costs, benefits, and opportunity cost to determine the achievement of personal financial goals. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147421|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.12.A.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Evaluate the financial choices that are made based on available resources, needs, and wants for goods and services.</textformat></li><li><textformat leftmargin='30'>Apply the decision-making process to an unforeseen situation. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147422|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.12.A.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Evaluate the financial choices that are made based on available resources, needs, and wants for goods and services.</textformat></li><li><textformat leftmargin='30'>Explain the concept of financial obligations, such as promissory notes and cell phone contract or college loan.  </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147423|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.12.A.5</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Evaluate the financial choices that are made based on available resources, needs, and wants for goods and services.</textformat></li><li><textformat leftmargin='30'>Evaluate how public policy issues impact personal financial decisions, such as environmental and health care concerns. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147424|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.12.B.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Evaluate attitude, assumptions, and patterns of behavior regarding financial decisions, and predict how they impact the achievement of financial goals. </textformat></li><li><textformat leftmargin='30'>Evaluate factors that affect personal financial decisions and actions. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147425|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.12.B.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Evaluate attitude, assumptions, and patterns of behavior regarding financial decisions, and predict how they impact the achievement of financial goals.</textformat></li><li><textformat leftmargin='30'>Compare individual differences and influences on consumer decisions related to money including the impact on relationships. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147427|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.12.C.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Evaluate and apply financial knowledge, attitudes, skills. </textformat></li><li><textformat leftmargin='30'>Refine and extend a conceptual understanding of new words regarding financial literacy. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147428|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.12.C.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Evaluate and apply financial knowledge, attitudes, skills.</textformat></li><li><textformat leftmargin='30'>Justify an informed and responsible action to resolve personal financial literacy questions and issues. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147429|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.12.C.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Evaluate and apply financial knowledge, attitudes, skills.</textformat></li><li><textformat leftmargin='30'>Apply the decision-making process to achieve a personal financial goal. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147430|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.12.C.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Evaluate and apply financial knowledge, attitudes, skills.</textformat></li><li><textformat leftmargin='30'>Evaluate outcomes of financially responsible and irresponsible decisions. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147431|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.12.D.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Compare different types of markets</textformat></li><li><textformat leftmargin='30'>Determine different types of retail markets, and analyze the goods and service they offer. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147432|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.12.D.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Compare different types of markets</textformat></li><li><textformat leftmargin='30'>Examine external factors that affect a market such as inflation, and determine the most appropriate time to purchase. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147433|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.12.E.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Evaluate the economic impacts of government, business, and consumer financial decisions. </textformat></li><li><textformat leftmargin='30'>Assess the impact of global economic events on personal financing planning. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147434|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.12.E.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Evaluate the economic impacts of government, business, and consumer financial decisions.</textformat></li><li><textformat leftmargin='30'>Examine the consequences of personal consumer decisions and actions on the global economy, and the environment. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147435|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.12.E.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Make Informed, Financially Responsible Decisions-- Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.</li><li><textformat leftmargin='15'>Evaluate the economic impacts of government, business, and consumer financial decisions.</textformat></li><li><textformat leftmargin='30'>Analyze the impacts of business, government, and consumer financial decisions on the individual, family, and community. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147436|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.5.A.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>Relate Careers, Education and Income-- Students will relate choices regarding their education and career paths to earning potential. </li><li><textformat leftmargin='15'>Compare the relationships among education, skills, career choices, economic conditions, and income. </textformat></li><li><textformat leftmargin='30'>Describe how education choices, interests, skills and career choices affect income. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147437|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.5.A.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>Relate Careers, Education and Income-- Students will relate choices regarding their education and career paths to earning potential.</li><li><textformat leftmargin='15'>Compare the relationships among education, skills, career choices, economic conditions, and income.</textformat></li><li><textformat leftmargin='30'>Differentiate between a job and a career. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147438|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.5.A.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>Relate Careers, Education and Income-- Students will relate choices regarding their education and career paths to earning potential.</li><li><textformat leftmargin='15'>Compare the relationships among education, skills, career choices, economic conditions, and income.</textformat></li><li><textformat leftmargin='30'>Describe the benefits and trade-offs of a variety of careers including personal satisfaction. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147439|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.5.A.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>Relate Careers, Education and Income-- Students will relate choices regarding their education and career paths to earning potential.</li><li><textformat leftmargin='15'>Compare the relationships among education, skills, career choices, economic conditions, and income.</textformat></li><li><textformat leftmargin='30'>Describe how personal characteristics and interests affect career decisions. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147440|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.5.B.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>Relate Careers, Education and Income-- Students will relate choices regarding their education and career paths to earning potential.</li><li><textformat leftmargin='15'>Describe sources of income. </textformat></li><li><textformat leftmargin='30'>Identify potential sources of income</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147441|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.5.B.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>Relate Careers, Education and Income-- Students will relate choices regarding their education and career paths to earning potential.</li><li><textformat leftmargin='15'>Describe sources of income.</textformat></li><li><textformat leftmargin='30'>Describe factors affecting income. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147442|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.5.C.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>Relate Careers, Education and Income-- Students will relate choices regarding their education and career paths to earning potential.</li><li><textformat leftmargin='15'>Explain the relationship among income, spending decisions, and lifestyle. </textformat></li><li><textformat leftmargin='30'>Describe how income affects spending. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147443|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.8.A.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Relate Careers, Education and Income-- Students will relate choices regarding their education and career paths to earning potential.</li><li><textformat leftmargin='15'>Examine the relationships among education, skills, career choices, economic conditions, and income. </textformat></li><li><textformat leftmargin='30'>Describe how education choices, interests, skills, career choices, economic conditions, and entrepreneurship affect income. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147444|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.8.A.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Relate Careers, Education and Income-- Students will relate choices regarding their education and career paths to earning potential.</li><li><textformat leftmargin='15'>Examine the relationships among education, skills, career choices, economic conditions, and income.</textformat></li><li><textformat leftmargin='30'>Describe the unique characteristics of both a job and a career, including entrepreneurship. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147445|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.8.A.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Relate Careers, Education and Income-- Students will relate choices regarding their education and career paths to earning potential.</li><li><textformat leftmargin='15'>Examine the relationships among education, skills, career choices, economic conditions, and income.</textformat></li><li><textformat leftmargin='30'>Compare the benefits and trade-offs of a variety of careers including personal satisfaction. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147446|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.8.A.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Relate Careers, Education and Income-- Students will relate choices regarding their education and career paths to earning potential.</li><li><textformat leftmargin='15'>Examine the relationships among education, skills, career choices, economic conditions, and income.</textformat></li><li><textformat leftmargin='30'>Describe the relationship of personal characteristics to a career choice. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147447|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.8.B.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Relate Careers, Education and Income-- Students will relate choices regarding their education and career paths to earning potential.</li><li><textformat leftmargin='15'>Explain source of income. </textformat></li><li><textformat leftmargin='30'>Identify potential sources of income</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147448|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.8.B.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Relate Careers, Education and Income-- Students will relate choices regarding their education and career paths to earning potential.</li><li><textformat leftmargin='15'>Explain source of income.</textformat></li><li><textformat leftmargin='30'>Describe factors affecting income. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147449|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.8.C.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Relate Careers, Education and Income-- Students will relate choices regarding their education and career paths to earning potential.</li><li><textformat leftmargin='15'>Analyze the relationship among income, spending decisions, and lifestyle. </textformat></li><li><textformat leftmargin='30'>Examine how income affects choices and spending decisions.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147450|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.8.C.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Relate Careers, Education and Income-- Students will relate choices regarding their education and career paths to earning potential.</li><li><textformat leftmargin='15'>Analyze the relationship among income, spending decisions, and lifestyle.</textformat></li><li><textformat leftmargin='30'>Examine how spending decisions may impact career choices, such as saving for college or getting a job. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147451|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.8.D.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Relate Careers, Education and Income-- Students will relate choices regarding their education and career paths to earning potential.</li><li><textformat leftmargin='15'>Explain how taxes and employee benefits relate to disposable income. </textformat></li><li><textformat leftmargin='30'>Describe concepts associated with taxes, employee benefits, and income. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147452|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.8.D.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Relate Careers, Education and Income-- Students will relate choices regarding their education and career paths to earning potential.</li><li><textformat leftmargin='15'>Explain how taxes and employee benefits relate to disposable income.</textformat></li><li><textformat leftmargin='30'>Identify taxable income and employee benefits. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147453|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.8.D.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Relate Careers, Education and Income-- Students will relate choices regarding their education and career paths to earning potential.</li><li><textformat leftmargin='15'>Explain how taxes and employee benefits relate to disposable income.</textformat></li><li><textformat leftmargin='30'>Relate employee benefits to income. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147454|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.12.A.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Relate Careers, Education and Income-- Students will relate choices regarding their education and career paths to earning potential.</li><li><textformat leftmargin='15'>Evaluate the relationships among education, skills, career choices, economic conditions, and income. </textformat></li><li><textformat leftmargin='30'>Evaluate how education choices, interests, skills, career choices, economic conditions, and entrepreneurship affect income. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147455|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.12.A.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Relate Careers, Education and Income-- Students will relate choices regarding their education and career paths to earning potential.</li><li><textformat leftmargin='15'>Evaluate the relationships among education, skills, career choices, economic conditions, and income.</textformat></li><li><textformat leftmargin='30'>Analyze how personal values may impact financial decisions, including becoming an entrepreneur. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147456|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.12.A.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Relate Careers, Education and Income-- Students will relate choices regarding their education and career paths to earning potential.</li><li><textformat leftmargin='15'>Evaluate the relationships among education, skills, career choices, economic conditions, and income.</textformat></li><li><textformat leftmargin='30'>Analyze the benefits and trade-offs of a variety of careers including personal satisfaction. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147457|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.12.A.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Relate Careers, Education and Income-- Students will relate choices regarding their education and career paths to earning potential.</li><li><textformat leftmargin='15'>Evaluate the relationships among education, skills, career choices, economic conditions, and income.</textformat></li><li><textformat leftmargin='30'>Analyze the relationship of career choice and personal satisfaction. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147458|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.12.B.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Relate Careers, Education and Income-- Students will relate choices regarding their education and career paths to earning potential.</li><li><textformat leftmargin='15'>Evaluate sources of income. </textformat></li><li><textformat leftmargin='30'>Differentiate between earned income and other sources of income. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147459|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.12.B.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Relate Careers, Education and Income-- Students will relate choices regarding their education and career paths to earning potential.</li><li><textformat leftmargin='15'>Evaluate sources of income.</textformat></li><li><textformat leftmargin='30'>Describe how adjusting benefits can affect income.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147460|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.12.C.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Relate Careers, Education and Income-- Students will relate choices regarding their education and career paths to earning potential.</li><li><textformat leftmargin='15'>Evaluate the relationship among income, spending decisions and lifestyle. </textformat></li><li><textformat leftmargin='30'>Analyze how education affects career choice and income affects purchasing and spending decisions. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147461|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.12.C.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Relate Careers, Education and Income-- Students will relate choices regarding their education and career paths to earning potential.</li><li><textformat leftmargin='15'>Evaluate the relationship among income, spending decisions and lifestyle.</textformat></li><li><textformat leftmargin='30'>Evaluate a variety of spending decisions that impact career opportunities, such as how credit scores can affect getting a Security Clearance. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147462|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.12.D.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Relate Careers, Education and Income-- Students will relate choices regarding their education and career paths to earning potential.</li><li><textformat leftmargin='15'>Determine how taxes, employee benefits, and public programs relate to income. </textformat></li><li><textformat leftmargin='30'>Describe how taxes can affect income and lifestyle. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147463|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.12.D.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Relate Careers, Education and Income-- Students will relate choices regarding their education and career paths to earning potential.</li><li><textformat leftmargin='15'>Determine how taxes, employee benefits, and public programs relate to income.</textformat></li><li><textformat leftmargin='30'>Explain how taxable income impacts disposable income. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147464|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.12.D.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Relate Careers, Education and Income-- Students will relate choices regarding their education and career paths to earning potential.</li><li><textformat leftmargin='15'>Determine how taxes, employee benefits, and public programs relate to income.</textformat></li><li><textformat leftmargin='30'>Research employee benefits, such as retirement plans and health care, and how they affect the quality of life. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147465|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.12.D.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Relate Careers, Education and Income-- Students will relate choices regarding their education and career paths to earning potential.</li><li><textformat leftmargin='15'>Determine how taxes, employee benefits, and public programs relate to income.</textformat></li><li><textformat leftmargin='30'>Research public programs and services that are available to employees and how they affect the quality of life, such as Social Security. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147466|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.5.A.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5 </p><br><li>Plan and Manage Money-- Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans. </li><li><textformat leftmargin='15'>Demonstrate the ability to use money management skills and strategies by saving for and acquiring goods and services. </textformat></li><li><textformat leftmargin='30'>Define and list the components of a spending plan.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147467|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.5.A.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>Plan and Manage Money-- Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans.</li><li><textformat leftmargin='15'>Demonstrate the ability to use money management skills and strategies by saving for and acquiring goods and services.</textformat></li><li><textformat leftmargin='30'>Identify strategies for using a spending plan.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147468|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.5.A.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>Plan and Manage Money-- Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans.</li><li><textformat leftmargin='15'>Demonstrate the ability to use money management skills and strategies by saving for and acquiring goods and services.</textformat></li><li><textformat leftmargin='30'>Develop a spending plan indicating income and expenses.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147469|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.5.B.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>Plan and Manage Money-- Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans.</li><li><textformat leftmargin='15'>Identify products used at financial institutions. </textformat></li><li><textformat leftmargin='30'>Describe the services financial institutions provide, such as savings, checking, and money market accounts.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147470|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.5.C.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>Plan and Manage Money-- Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans.</li><li><textformat leftmargin='15'>Describe financial goals based on personal values. </textformat></li><li><textformat leftmargin='30'>Develop age-appropriate financial goals.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147471|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.5.C.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>Plan and Manage Money-- Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans.</li><li><textformat leftmargin='15'>Describe financial goals based on personal values.</textformat></li><li><textformat leftmargin='30'>Identify ways to earn and save for a future event.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147472|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.5.D.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>Plan and Manage Money-- Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans.</li><li><textformat leftmargin='15'>Understand the purposes and responsibilities </textformat></li><li><textformat leftmargin='30'>Explain the meaning and purposes of taxes.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147473|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.5.D.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>Plan and Manage Money-- Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans.</li><li><textformat leftmargin='15'>Understand the purposes and responsibilities</textformat></li><li><textformat leftmargin='30'>Describe how taxation affects individuals, families, and communities.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147474|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.5.D.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>Plan and Manage Money-- Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans.</li><li><textformat leftmargin='15'>Understand the purposes and responsibilities</textformat></li><li><textformat leftmargin='30'>Explain the reasons for paying taxes.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147475|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.5.E.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>Plan and Manage Money-- Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans.</li><li><textformat leftmargin='15'>Describe that contracts are binding agreements.</textformat></li><li><textformat leftmargin='30'>Describe why people enter into contracts.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147476|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.5.E.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>Plan and Manage Money-- Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans.</li><li><textformat leftmargin='15'>Describe that contracts are binding agreements.</textformat></li><li><textformat leftmargin='30'>Differentiate between written and verbal contracts.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147477|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.8.A.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Plan and Manage Money-- Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans.</li><li><textformat leftmargin='15'>Demonstrate the ability to use money management skills and strategies.</textformat></li><li><textformat leftmargin='30'>Determine the feasibility of a spending plan based on a set of criteria.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147478|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.8.A.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Plan and Manage Money-- Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans.</li><li><textformat leftmargin='15'>Demonstrate the ability to use money management skills and strategies.</textformat></li><li><textformat leftmargin='30'>Prepare a spending plan for various applications, such as personal, family, business, and entrepreneurship.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147479|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.8.A.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Plan and Manage Money-- Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans.</li><li><textformat leftmargin='15'>Demonstrate the ability to use money management skills and strategies.</textformat></li><li><textformat leftmargin='30'>Formulate and compare money management choices that enable individuals to progress toward stated financial goals.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147480|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.8.B.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Plan and Manage Money-- Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans.</li><li><textformat leftmargin='15'>Describe the services of financial institutions.</textformat></li><li><textformat leftmargin='30'>Explain and select appropriate financial institutions to assist with meeting various personal financial needs and goals.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147481|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.8.B.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Plan and Manage Money-- Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans.</li><li><textformat leftmargin='15'>Describe the services of financial institutions.</textformat></li><li><textformat leftmargin='30'>Describe various financial products or services and an appropriate use of each.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147482|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.8.C.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Plan and Manage Money-- Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans.</li><li><textformat leftmargin='15'>Develop financial goals based on personal values.</textformat></li><li><textformat leftmargin='30'>Analyze and discuss the long-range impact of setting personal financial goals.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147483|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.8.C.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Plan and Manage Money-- Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans.</li><li><textformat leftmargin='15'>Develop financial goals based on personal values.</textformat></li><li><textformat leftmargin='30'>Develop a plan to secure funding for a future event.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147484|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.8.D.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Plan and Manage Money-- Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans.</li><li><textformat leftmargin='15'>Explain the purposes and responsibilities related to taxation.</textformat></li><li><textformat leftmargin='30'>Explain the purpose of existing forms of taxation at the federal, state, and local levels.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147485|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.8.D.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Plan and Manage Money-- Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans.</li><li><textformat leftmargin='15'>Explain the purposes and responsibilities related to taxation.</textformat></li><li><textformat leftmargin='30'>Describe how government's tax policies affect individuals, families, and communities.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147486|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.8.D.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Plan and Manage Money-- Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans.</li><li><textformat leftmargin='15'>Explain the purposes and responsibilities related to taxation.</textformat></li><li><textformat leftmargin='30'>Identify reasons to comply with personal tax obligations and the consequences of not doing so.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147487|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.8.D.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Plan and Manage Money-- Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans.</li><li><textformat leftmargin='15'>Explain the purposes and responsibilities related to taxation.</textformat></li><li><textformat leftmargin='30'>Describe ways consumers can influence the use of public funds.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147488|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.8.E.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Plan and Manage Money-- Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans.</li><li><textformat leftmargin='15'>Explain that contracts are binding agreements.</textformat></li><li><textformat leftmargin='30'>Identify conditions that must be met when entering into contracts.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147490|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.8.E.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>Plan and Manage Money-- Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans.</li><li><textformat leftmargin='15'>Explain that contracts are binding agreements.</textformat></li><li><textformat leftmargin='30'>Identify factors to consider when entering into a contract, such as interest rates, credit score, reputation, and/or references of involved parties.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147491|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.12.A.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Plan and Manage Money-- Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans.</li><li><textformat leftmargin='15'>Demonstrate the ability to use money management skills and strategies.</textformat></li><li><textformat leftmargin='30'>Determine the feasibility of a spending plan based on multiple sets of criteria.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147492|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.12.A.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Plan and Manage Money-- Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans.</li><li><textformat leftmargin='15'>Demonstrate the ability to use money management skills and strategies.</textformat></li><li><textformat leftmargin='30'>Analyze and compare income and spending plans as affected by age, needs, and resources.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147493|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.12.A.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Plan and Manage Money-- Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans.</li><li><textformat leftmargin='15'>Demonstrate the ability to use money management skills and strategies.</textformat></li><li><textformat leftmargin='30'>Apply various money management strategies to authentic situations and predict results over time.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147494|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.12.A.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Plan and Manage Money-- Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans.</li><li><textformat leftmargin='15'>Demonstrate the ability to use money management skills and strategies.</textformat></li><li><textformat leftmargin='30'>Cite examples of trade-ofts resulting from competing financial goals.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147495|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.12.B.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Plan and Manage Money-- Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans.</li><li><textformat leftmargin='15'>Analyze the services of financial institutions.</textformat></li><li><textformat leftmargin='30'>Develop a plan that uses the services of various financial institutions to meet personal and family financial goals.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147496|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.12.B.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Plan and Manage Money-- Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans.</li><li><textformat leftmargin='15'>Analyze the services of financial institutions.</textformat></li><li><textformat leftmargin='30'>Describe and calculate interest and fees applied to various forms of saving, spending, debt.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147497|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.12.C.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Plan and Manage Money-- Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans.</li><li><textformat leftmargin='15'>Develop and evaluate financial goals based on personal values.</textformat></li><li><textformat leftmargin='30'>Integrate long-range personal goals with financial needs and resources.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147498|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.12.C.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Plan and Manage Money-- Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans.</li><li><textformat leftmargin='15'>Develop and evaluate financial goals based on personal values.</textformat></li><li><textformat leftmargin='30'>Compare various strategies for securing funding for a future event.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147499|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.12.D.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Plan and Manage Money-- Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans.</li><li><textformat leftmargin='15'>Evaluate the purposes and responsibilities related to taxation.</textformat></li><li><textformat leftmargin='30'>Analyze the application and impact of various forms of taxation on individuals, families, and public agencies.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147500|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.12.D.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Plan and Manage Money-- Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans.</li><li><textformat leftmargin='15'>Evaluate the purposes and responsibilities related to taxation.</textformat></li><li><textformat leftmargin='30'>Critique how government's tax policies affect individuals, families, and communities.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147501|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.12.D.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Plan and Manage Money-- Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans.</li><li><textformat leftmargin='15'>Evaluate the purposes and responsibilities related to taxation.</textformat></li><li><textformat leftmargin='30'>Identify reasons to comply with personal tax obligations and the consequences of not doing so.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147502|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.12.D.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Plan and Manage Money-- Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans.</li><li><textformat leftmargin='15'>Evaluate the purposes and responsibilities related to taxation.</textformat></li><li><textformat leftmargin='30'>Analyze ways consumers influence the use of economic resources to achieve basic societal and individual services.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147503|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.12.D.5</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Plan and Manage Money-- Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans.</li><li><textformat leftmargin='15'>Evaluate the purposes and responsibilities related to taxation.</textformat></li><li><textformat leftmargin='30'>Evaluate various sources of assistance with tax planning and filing.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147504|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.12.E.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Plan and Manage Money-- Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans.</li><li><textformat leftmargin='15'>Explain that contracts are binding agreements.</textformat></li><li><textformat leftmargin='30'>Identify the rights and responsibilities of all parties entering into a contract, such as college loans, cell phones contracts, car loans, collateral loans, passbook loans, and mortgages.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147507|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.5.A.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Identify why people enter into debt.</textformat></li><li><textformat leftmargin='30'>List reasons why people borrow.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147508|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.5.B.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Differentiate credit products from services.</textformat></li><li><textformat leftmargin='30'>Describe the concept of a loan.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147509|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.5.B.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Differentiate credit products from services.</textformat></li><li><textformat leftmargin='30'>Describe the difference between credit products and services.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147510|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.5.C.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Identify sources of credit.</textformat></li><li><textformat leftmargin='30'>Differentiate between credit and debt.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147511|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.5.C.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Identify sources of credit.</textformat></li><li><textformat leftmargin='30'>List sources of credit, such as banks, credit unions, credit card companies, and retail stores.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147512|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.5.D.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Explain the cost of borrowing.</textformat></li><li><textformat leftmargin='30'>Define interest and explain how it is used.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147513|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.5.E.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Identify interest rates, fees, and other charges.</textformat></li><li><textformat leftmargin='30'>Describe the different types of payment methods, such as bartering, cash, check, credit card, and debit card.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147514|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.5.E.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Identify interest rates, fees, and other charges.</textformat></li><li><textformat leftmargin='30'>Identify uses of a credit card and a debit card.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147515|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.5.F.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Describe creditworthiness.</textformat></li><li><textformat leftmargin='30'>Explain how character, capacity, and capital relate to borrowing.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147516|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.8.A.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Evaluate how to use debt beneficially.</textformat></li><li><textformat leftmargin='30'>List the purposes of debt.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147517|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.8.A.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Evaluate how to use debt beneficially.</textformat></li><li><textformat leftmargin='30'>Examine how debt can be used to establish credit.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147518|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.8.B.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Compare the advantages and disadvantages of credit products and services.</textformat></li><li><textformat leftmargin='30'>Analyze information about credit products and services.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147519|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.8.B.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Compare the advantages and disadvantages of credit products and services.</textformat></li><li><textformat leftmargin='30'>Explain the difference between short- and long-term loans with regards to interest.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147520|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.8.B.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Compare the advantages and disadvantages of credit products and services.</textformat></li><li><textformat leftmargin='30'>Describe predatory lending practices.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147521|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.8.C.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Identify and compare sources of credit.</textformat></li><li><textformat leftmargin='30'>Explain credit terminology.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147522|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.8.C.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Identify and compare sources of credit.</textformat></li><li><textformat leftmargin='30'>List sources of consumer credit.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147523|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.8.C.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Identify and compare sources of credit.</textformat></li><li><textformat leftmargin='30'>Explain strategies used to manage credit and debt.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147524|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.8.D.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Calculate the cost of borrowing.</textformat></li><li><textformat leftmargin='30'>Compare and compute application of interest and compound interest.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147525|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.8.D.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Calculate the cost of borrowing.</textformat></li><li><textformat leftmargin='30'>Compute the amount of interest paid over time when using credit.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147526|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.8.D.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Calculate the cost of borrowing.</textformat></li><li><textformat leftmargin='30'>Calculate the cost of borrowing for various amounts and types of purchases.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147527|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.8.E.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Identify and evaluate interest rates, fees, and other charges.</textformat></li><li><textformat leftmargin='30'>Differentiate between a credit and debit card.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147528|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.8.E.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Identify and evaluate interest rates, fees, and other charges.</textformat></li><li><textformat leftmargin='30'>Compare advantages and disadvantages of various payment methods and options, including the Automated Clearing House.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147529|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.8.E.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Identify and evaluate interest rates, fees, and other charges.</textformat></li><li><textformat leftmargin='30'>Describe the purpose of a mortgage.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147530|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.8.F.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Compare credit scores and reports.</textformat></li><li><textformat leftmargin='30'>Link character, capacity, and capital with creditworthiness.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147531|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.8.F.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Compare credit scores and reports.</textformat></li><li><textformat leftmargin='30'>Explain the factors that impact a credit report.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147532|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.8.F.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Compare credit scores and reports.</textformat></li><li><textformat leftmargin='30'>Describe a credit report; explain what a credit score is and the factors affecting a credit score.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147533|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.8.F.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Compare credit scores and reports.</textformat></li><li><textformat leftmargin='30'>Identify ways to prevent or manage credit problems.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147534|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.8.G.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Explain the consequences of not meeting credit obligations.</textformat></li><li><textformat leftmargin='30'>Identify the consequences of not meeting credit obligations, such as late fees, acquiring loans, paying higher interest rates, and bankruptcy.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147535|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.12.A.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Evaluate how to use debt beneficially.</textformat></li><li><textformat leftmargin='30'>Explain the advantages and disadvantages of debt.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147536|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.12.A.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Evaluate how to use debt beneficially.</textformat></li><li><textformat leftmargin='30'>Determine a variety of situations in which debt is beneficial.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147537|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.12.B.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Evaluate the advantages and disadvantages of credit products and services.</textformat></li><li><textformat leftmargin='30'>Evaluate information about products and services.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147538|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.12.B.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Evaluate the advantages and disadvantages of credit products and services.</textformat></li><li><textformat leftmargin='30'>Differentiate and calculate the difference between short- and long-term loans.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147539|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.12.B.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Evaluate the advantages and disadvantages of credit products and services.</textformat></li><li><textformat leftmargin='30'>Identify and discuss examples of predatory lending practices, such as payday lenders.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147540|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.12.C.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Analyze sources of credit.</textformat></li><li><textformat leftmargin='30'>Explain how to acquire and maintain credit.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147541|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.12.C.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Analyze sources of credit.</textformat></li><li><textformat leftmargin='30'>Compare sources of consumer credit, and apply them to consumer decisions.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147542|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.12.C.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Analyze sources of credit.</textformat></li><li><textformat leftmargin='30'>Compare strategies of credit and debt management.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147543|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.12.C.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Analyze sources of credit.</textformat></li><li><textformat leftmargin='30'>Compare the financial benefits and services of different types of lending institutions.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147544|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.12.D.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Calculate the cost of borrowing.</textformat></li><li><textformat leftmargin='30'>Use online business tools to compare and compute interest and compound interest and to interpret an amortization table.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147545|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.12.D.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Calculate the cost of borrowing.</textformat></li><li><textformat leftmargin='30'>Compute and assess the accumulating effect of interest paid over time when using a variety of sources of credit.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147546|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.12.D.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Calculate the cost of borrowing.</textformat></li><li><textformat leftmargin='30'>Calculate and compare the total cost of borrowing for various amounts and types of purchases.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147547|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.12.E.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Identify and evaluate interest rates, fees, and other credit charges.</textformat></li><li><textformat leftmargin='30'>Analyze the impact of using a credit card vs. a debit card as it relates to money management.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147548|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.12.E.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Identify and evaluate interest rates, fees, and other credit charges.</textformat></li><li><textformat leftmargin='30'>Analyze the advantages and disadvantages of different payment methods and options, including the Automatic Clearing House.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147549|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.12.E.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Identify and evaluate interest rates, fees, and other credit charges.</textformat></li><li><textformat leftmargin='30'>Explain the different types of loans associated with mortgages as it relates to interest rates (fixed, variable, and balloons), insurance, and fees.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147550|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.12.F.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Analyze credit scores and reports.</textformat></li><li><textformat leftmargin='30'>Explain personal responsibility and the factors that affect creditworthiness, such as payment history and total debt vs. total available credit.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147551|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.12.F.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Analyze credit scores and reports.</textformat></li><li><textformat leftmargin='30'>Explain how a credit report is used and how frequently it should be obtained.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147552|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.12.F.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Analyze credit scores and reports.</textformat></li><li><textformat leftmargin='30'>Explain how credit scores can be used to leverage better products, services, and employment opportunities, such as Security Clearance.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147553|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.12.F.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Analyze credit scores and reports.</textformat></li><li><textformat leftmargin='30'>Apply strategies to prevent or manage credit problems.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147554|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.12.F.5</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Analyze credit scores and reports.</textformat></li><li><textformat leftmargin='30'>Compare sources of credit reporting and evaluate credit report scores.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147555|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.12.G.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Evaluate the consequences of not meeting credit obligations.</textformat></li><li><textformat leftmargin='30'>Analyze the problems of not meeting credit obligations, such as poor credit score, late fees, acquiring loans, paying higher interest rates, and bankruptcy.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147556|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.12.G.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>MANAGE CREDIT AND DEBT -- Students will develop skills to make informed decisions about incurring debt and maintaining creditworthiness.</li><li><textformat leftmargin='15'>Evaluate the consequences of not meeting credit obligations.</textformat></li><li><textformat leftmargin='30'>Determine when credit counseling is necessary.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147557|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.5.A.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Compare appropriate financial services and products to specified goals.</textformat></li><li><textformat leftmargin='30'>Determine saving goals.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147559|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.5.A.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Compare appropriate financial services and products to specified goals.</textformat></li><li><textformat leftmargin='30'>Describe saving options.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147560|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.5.B.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Explain strategies for achieving financial goals.</textformat></li><li><textformat leftmargin='30'>Describe ways that financial institutions protect consumers' money.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147562|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.5.B.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Explain strategies for achieving financial goals.</textformat></li><li><textformat leftmargin='30'>Describe the concept of "time value"" of money."</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147563|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.5.B.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Explain strategies for achieving financial goals.</textformat></li><li><textformat leftmargin='30'>Differentiate between "working for money"" versus ""money working for you""."</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147564|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.5.C.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Explain the relationships between saving and investing.</textformat></li><li><textformat leftmargin='30'>Describe steps involved in saving.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147565|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.5.C.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Explain the relationships between saving and investing.</textformat></li><li><textformat leftmargin='30'>Describe steps involved in investing.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147566|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.5.C.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Explain the relationships between saving and investing.</textformat></li><li><textformat leftmargin='30'>Compare saving and investing.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147567|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.5.D.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Apply the concepts of supply and demand to acquiring goods and services.</textformat></li><li><textformat leftmargin='30'>Describe the concepts of supply and demand.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147568|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.5.D.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Apply the concepts of supply and demand to acquiring goods and services.</textformat></li><li><textformat leftmargin='30'>Describe how supply and demand affect price.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147569|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.8.A.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Align appropriate financial services and products to specified goals.</textformat></li><li><textformat leftmargin='30'>Determine an investment strategy's time horizon based on a specified goal.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147570|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.8.A.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Align appropriate financial services and products to specified goals.</textformat></li><li><textformat leftmargin='30'>Differentiate between various investment options, such as certificates of deposit, stocks, mutual funds, and bonds, and compare their current returns.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147571|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.8.A.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Align appropriate financial services and products to specified goals.</textformat></li><li><textformat leftmargin='30'>Determine the fees of various financial accounts and products.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147572|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.8.B.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Apply strategies for creating wealth and building assets.</textformat></li><li><textformat leftmargin='30'>Explain how financial institutions protect consumers' money.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147574|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.8.B.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Apply strategies for creating wealth and building assets.</textformat></li><li><textformat leftmargin='30'>Apply the "Rule of 72"" to a financial decision."</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147575|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.8.B.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Apply strategies for creating wealth and building assets.</textformat></li><li><textformat leftmargin='30'>Apply the principle of "Pay Yourself First"" to realistic scenarios."</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147576|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.8.B.5</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Apply strategies for creating wealth and building assets.</textformat></li><li><textformat leftmargin='30'>Distinguish between income and wealth.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147577|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.8.C.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Describe the relationships between saving and investing.</textformat></li><li><textformat leftmargin='30'>Differentiate between income and investment growth.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147578|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.8.C.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Describe the relationships between saving and investing.</textformat></li><li><textformat leftmargin='30'>Compare reasons for saving and reasons for investing.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147579|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.8.C.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Describe the relationships between saving and investing.</textformat></li><li><textformat leftmargin='30'>Identify sources of investment products, such as banks, investment companies, financial planners.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147580|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.8.C.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Describe the relationships between saving and investing.</textformat></li><li><textformat leftmargin='30'>Calculate returns on investments as it relates to time horizons.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147581|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.8.D.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Analyze how supply and demand affect stock market price changes.</textformat></li><li><textformat leftmargin='30'>Explain the concept of supply and demand.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147582|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.8.D.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Analyze how supply and demand affect stock market price changes.</textformat></li><li><textformat leftmargin='30'>Explain the economic principle of supply and demand as it relates to the stock market.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147583|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.8.E.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Apply the decision-making process to financial decisions related to planning, saving, and
investing.</textformat></li><li><textformat leftmargin='30'>Examine how spending plans are used to realize financial goals.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147584|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.8.E.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Apply the decision-making process to financial decisions related to planning, saving, and
investing.</textformat></li><li><textformat leftmargin='30'>Examine how saving strategies differ between a spending plan and an investment plan.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147585|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.12.A.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Critique appropriate financial services and pro~ucts to specified goals.</textformat></li><li><textformat leftmargin='30'>Develop a· model comparing investment results.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147586|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.12.A.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Critique appropriate financial services and pro~ucts to specified goals.</textformat></li><li><textformat leftmargin='30'>Select appropriate financial services and products to achieve personal financial goals.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147587|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.12.A.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Critique appropriate financial services and pro~ucts to specified goals.</textformat></li><li><textformat leftmargin='30'>Compare, contrast, and compute historical retu rns and fees of various financial products.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147588|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.12.A.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Critique appropriate financial services and pro~ucts to specified goals.</textformat></li><li><textformat leftmargin='30'>Differentiate between various investment products.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147589|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.12.B.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Evaluate strategies for creating wealth and building assets.</textformat></li><li><textformat leftmargin='30'>Explain the effects of being banked versus unbanked.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147590|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.12.B.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Evaluate strategies for creating wealth and building assets.</textformat></li><li><textformat leftmargin='30'>Describe federal deposit insurance programs for banks and credit unions.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147591|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.12.B.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Evaluate strategies for creating wealth and building assets.</textformat></li><li><textformat leftmargin='30'>Analyze the effect of compounding.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147592|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.12.B.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Evaluate strategies for creating wealth and building assets.</textformat></li><li><textformat leftmargin='30'>Explain the concept of asset allocation based on short- and long term goals.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147593|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.12.B.5</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Evaluate strategies for creating wealth and building assets.</textformat></li><li><textformat leftmargin='30'>Assess factors that influence financial planning (age, income, liabilities, assets, goals, family size, risk tolerance, etc.).</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147594|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.12.B.6</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Evaluate strategies for creating wealth and building assets.</textformat></li><li><textformat leftmargin='30'>Explain the relationship among buying power, interest rates, and inflation.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147595|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.12.C.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Explain the relationships between saving and investing.</textformat></li><li><textformat leftmargin='30'>Describe the role of revenue-generating assets in building wealth.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147596|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.12.C.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Explain the relationships between saving and investing.</textformat></li><li><textformat leftmargin='30'>Describe the processes and vehicles for buying and selling investments.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147597|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.12.C.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Explain the relationships between saving and investing.</textformat></li><li><textformat leftmargin='30'>Compare sources for investment products, such as banks, investment companies, financial planners, etc.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147598|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.12.C.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Explain the relationships between saving and investing.</textformat></li><li><textformat leftmargin='30'>Compare the risk, return, and liquidity of various investment alternatives.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147599|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.12.D.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Analyze the concepts of supply and demand to stock market price changes.</textformat></li><li><textformat leftmargin='30'>Explain how supply and demand works in various situations.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147600|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.12.D.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Analyze the concepts of supply and demand to stock market price changes.</textformat></li><li><textformat leftmargin='30'>Determine the impact of various events on stock market prices.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147601|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.12.E.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Apply the decision-making processes to financial decisions related to planning, saving, and
investing.</textformat></li><li><textformat leftmargin='30'>Develop and justify investment and/or savings strategies to achieve specified goals.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147602|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5.12.E.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>CREATE AND BUILD WEALTH -- Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.</li><li><textformat leftmargin='15'>Apply the decision-making processes to financial decisions related to planning, saving, and
investing.</textformat></li><li><textformat leftmargin='30'>Develop personal financial planning strategies that respond to and use tax deductions.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147603|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 6.5.B.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>MANAGE RISKS AND PRESERVE WEALTH -- Students will develop financial planning skills to minimize financial setbacks.</li><li><textformat leftmargin='15'>Explain the need for and value of various types of insurance within the life cycle.</textformat></li><li><textformat leftmargin='30'>Explain reasons for insurance.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147605|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 6.5.C.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>MANAGE RISKS AND PRESERVE WEALTH -- Students will develop financial planning skills to minimize financial setbacks.</li><li><textformat leftmargin='15'>Investigate the effects of business practices, including sales techniques.</textformat></li><li><textformat leftmargin='30'>Recognize techniques and the effects of advertising.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147606|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 6.5.C.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>MANAGE RISKS AND PRESERVE WEALTH -- Students will develop financial planning skills to minimize financial setbacks.</li><li><textformat leftmargin='15'>Investigate the effects of business practices, including sales techniques.</textformat></li><li><textformat leftmargin='30'>Identify business practices that affect the consumer.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147607|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 6.5.C.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>MANAGE RISKS AND PRESERVE WEALTH -- Students will develop financial planning skills to minimize financial setbacks.</li><li><textformat leftmargin='15'>Investigate the effects of business practices, including sales techniques.</textformat></li><li><textformat leftmargin='30'>Identify the characteristics of an informed consumer.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147608|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 6.5.D.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>MANAGE RISKS AND PRESERVE WEALTH -- Students will develop financial planning skills to minimize financial setbacks.</li><li><textformat leftmargin='15'>Explain sources of consumer protection and assistance, including public institutions and private organizations (professionals, publications, and internet).</textformat></li><li><textformat leftmargin='30'>Describe and identify types of fraud</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147609|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 6.5.D.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 3-5</p><br><li>MANAGE RISKS AND PRESERVE WEALTH -- Students will develop financial planning skills to minimize financial setbacks.</li><li><textformat leftmargin='15'>Explain sources of consumer protection and assistance, including public institutions and private organizations (professionals, publications, and internet).</textformat></li><li><textformat leftmargin='30'>Describe identity theft and how it occurs.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147610|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 6.8.A.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>MANAGE RISKS AND PRESERVE WEALTH -- Students will develop financial planning skills to minimize financial setbacks.</li><li><textformat leftmargin='15'>Examine strategies that protect income and wealth.</textformat></li><li><textformat leftmargin='30'>Identify circumstances that impact income and wealth.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147612|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 6.8.A.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>MANAGE RISKS AND PRESERVE WEALTH -- Students will develop financial planning skills to minimize financial setbacks.</li><li><textformat leftmargin='15'>Examine strategies that protect income and wealth.</textformat></li><li><textformat leftmargin='30'>Describe forms of financial risk and risk tolerance.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147613|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 6.8.A.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>MANAGE RISKS AND PRESERVE WEALTH -- Students will develop financial planning skills to minimize financial setbacks.</li><li><textformat leftmargin='15'>Examine strategies that protect income and wealth.</textformat></li><li><textformat leftmargin='30'>Recognize forms of protection against financial loss.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147614|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 6.8.B.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>MANAGE RISKS AND PRESERVE WEALTH -- Students will develop financial planning skills to minimize financial setbacks.</li><li><textformat leftmargin='15'>Examine the need for and value of various types of insurance (such as health, property, life, disability, and liability) within the life cycle.</textformat></li><li><textformat leftmargin='30'>Describe the need for and value of different types of insurance.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147615|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 6.8.B.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>MANAGE RISKS AND PRESERVE WEALTH -- Students will develop financial planning skills to minimize financial setbacks.</li><li><textformat leftmargin='15'>Examine the need for and value of various types of insurance (such as health, property, life, disability, and liability) within 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,147616|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 6.8.B.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>MANAGE RISKS AND PRESERVE WEALTH -- Students will develop financial planning skills to minimize financial setbacks.</li><li><textformat leftmargin='15'>Examine the need for and value of various types of insurance (such as health, property, life, disability, and liability) within the life cycle.</textformat></li><li><textformat leftmargin='30'>Identify strategies to lower insurance costs.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147617|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 6.8.B.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>MANAGE RISKS AND PRESERVE WEALTH -- Students will develop financial planning skills to minimize financial setbacks.</li><li><textformat leftmargin='15'>Examine the need for and value of various types of insurance (such as health, property, life, disability, and liability) within the life cycle.</textformat></li><li><textformat leftmargin='30'>Describe ways for protecting current and future personal assets against financial loss.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147618|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 6.8.C.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>MANAGE RISKS AND PRESERVE WEALTH -- Students will develop financial planning skills to minimize financial setbacks.</li><li><textformat leftmargin='15'>Investigate the purposes, strategies, and effects of various business practices, including sales techniques.</textformat></li><li><textformat leftmargin='30'>Compare and contrast advertising for opinion versus fact.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147619|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 6.8.C.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>MANAGE RISKS AND PRESERVE WEALTH -- Students will develop financial planning skills to minimize financial setbacks.</li><li><textformat leftmargin='15'>Investigate the purposes, strategies, and effects of various business practices, including sales techniques.</textformat></li><li><textformat leftmargin='30'>Examine business practices that affect the consumer.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147620|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 6.8.C.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>MANAGE RISKS AND PRESERVE WEALTH -- Students will develop financial planning skills to minimize financial setbacks.</li><li><textformat leftmargin='15'>Investigate the purposes, strategies, and effects of various business practices, including sales techniques.</textformat></li><li><textformat leftmargin='30'>Explain the characteristics of an informed consumer.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147621|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 6.8.D.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>MANAGE RISKS AND PRESERVE WEALTH -- Students will develop financial planning skills to minimize financial setbacks.</li><li><textformat leftmargin='15'>Differentiate sources of consumer protection and assistance, including public institutions and private organizations (professionals, publications, and internet).</textformat></li><li><textformat leftmargin='30'>Examine how consumers fall victim to fraud and methods for protection against fraudulent
activities.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147622|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 6.8.D.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>MANAGE RISKS AND PRESERVE WEALTH -- Students will develop financial planning skills to minimize financial setbacks.</li><li><textformat leftmargin='15'>Differentiate sources of consumer protection and assistance, including public institutions and private organizations (professionals, publications, and internet).</textformat></li><li><textformat leftmargin='30'>Identify situations that put consumers in financial risk, such as sharing account information, identify theft, and co-signing on loans.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147623|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 6.8.D.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>MANAGE RISKS AND PRESERVE WEALTH -- Students will develop financial planning skills to minimize financial setbacks.</li><li><textformat leftmargin='15'>Differentiate sources of consumer protection and assistance, including public institutions and private organizations (professionals, publications, and internet).</textformat></li><li><textformat leftmargin='30'>Distinguish between the rights and responsibilities of buyers and sellers under consumer protection laws.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147625|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 6.8.D.5</p><p>----------------------------------------------------------------</p><p class='contentarea'>Grades 6-8</p><br><li>MANAGE RISKS AND PRESERVE WEALTH -- Students will develop financial planning skills to minimize financial setbacks.</li><li><textformat leftmargin='15'>Differentiate sources of consumer protection and assistance, including public institutions and private organizations (professionals, publications, and internet).</textformat></li><li><textformat leftmargin='30'>List actions to take to dispute a claim.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147626|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 6.12.A.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>MANAGE RISKS AND PRESERVE WEALTH -- Students will develop financial planning skills to minimize financial setbacks.</li><li><textformat leftmargin='15'>Evaluate the strategies that protect income and wealth.</textformat></li><li><textformat leftmargin='30'>Explain circumstances that impact income and wealth.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147627|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 6.12.A.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>MANAGE RISKS AND PRESERVE WEALTH -- Students will develop financial planning skills to minimize financial setbacks.</li><li><textformat leftmargin='15'>Evaluate the strategies that protect income and wealth.</textformat></li><li><textformat leftmargin='30'>Analyze forms of financial risk with varying degrees of risk tolerance.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147628|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 6.12.A.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>MANAGE RISKS AND PRESERVE WEALTH -- Students will develop financial planning skills to minimize financial setbacks.</li><li><textformat leftmargin='15'>Evaluate the strategies that protect income and wealth.</textformat></li><li><textformat leftmargin='30'>Strategize methods to minimize financial loss.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147629|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 6.12.B.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>MANAGE RISKS AND PRESERVE WEALTH -- Students will develop financial planning skills to minimize financial setbacks.</li><li><textformat leftmargin='15'>Justify the need for and value of various types of insurance (such as health, property, life, disability, and liability) within the life cycle.</textformat></li><li><textformat leftmargin='30'>Investigate and apply different types of insurance coverage to selected situations.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147631|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 6.12.B.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>MANAGE RISKS AND PRESERVE WEALTH -- Students will develop financial planning skills to minimize financial setbacks.</li><li><textformat leftmargin='15'>Justify the need for and value of various types of insurance (such as health, property, life, disability, and liability) within the life cycle.</textformat></li><li><textformat leftmargin='30'>Review and apply criteria to choose insurance coverage for selected situations.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147632|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 6.12.B.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>MANAGE RISKS AND PRESERVE WEALTH -- Students will develop financial planning skills to minimize financial setbacks.</li><li><textformat leftmargin='15'>Justify the need for and value of various types of insurance (such as health, property, life, disability, and liability) within the life cycle.</textformat></li><li><textformat leftmargin='30'>Compare insurance rates, premiums, and deductibles to minimize costs in selected situations.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147633|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 6.12.B.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>MANAGE RISKS AND PRESERVE WEALTH -- Students will develop financial planning skills to minimize financial setbacks.</li><li><textformat leftmargin='15'>Justify the need for and value of various types of insurance (such as health, property, life, disability, and liability) within the life cycle.</textformat></li><li><textformat leftmargin='30'>Create an individual or family insurance plan for selected situations.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147634|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 6.12.C.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>MANAGE RISKS AND PRESERVE WEALTH -- Students will develop financial planning skills to minimize financial setbacks.</li><li><textformat leftmargin='15'>Evaluate the purposes, strategies, and effects of various business practices, including sales techniques.</textformat></li><li><textformat leftmargin='30'>Analyze the influence of advertising and the media on decision making and spending.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147635|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 6.12.C.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>MANAGE RISKS AND PRESERVE WEALTH -- Students will develop financial planning skills to minimize financial setbacks.</li><li><textformat leftmargin='15'>Evaluate the purposes, strategies, and effects of various business practices, including sales techniques.</textformat></li><li><textformat leftmargin='30'>Analyze the characteristics of an informed consumer.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147637|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 6.12.D.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>MANAGE RISKS AND PRESERVE WEALTH -- Students will develop financial planning skills to minimize financial setbacks.</li><li><textformat leftmargin='15'>Critique sources of consumer protection and assistance including public institutions and private organizations (professionals, publications, and internet).</textformat></li><li><textformat leftmargin='30'>Evaluate how fraudulent activities affect consumers and methods for protection against fraudulent activities.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147638|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 6.12.D.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>MANAGE RISKS AND PRESERVE WEALTH -- Students will develop financial planning skills to minimize financial setbacks.</li><li><textformat leftmargin='15'>Critique sources of consumer protection and assistance including public institutions and private organizations (professionals, publications, and internet).</textformat></li><li><textformat leftmargin='30'>Assess situations that put consumers in financial risk, such as sharing account information, identify theft, and co-signing on loans.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147639|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 6.12.D.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>MANAGE RISKS AND PRESERVE WEALTH -- Students will develop financial planning skills to minimize financial setbacks.</li><li><textformat leftmargin='15'>Critique sources of consumer protection and assistance including public institutions and private organizations (professionals, publications, and internet).</textformat></li><li><textformat leftmargin='30'>Explain the rights and responsibilities of buyers and sellers under consumer protection laws such as the "Credit Card Bill of Rights."""</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147641|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 6.12.D.5</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>MANAGE RISKS AND PRESERVE WEALTH -- Students will develop financial planning skills to minimize financial setbacks.</li><li><textformat leftmargin='15'>Critique sources of consumer protection and assistance including public institutions and private organizations (professionals, publications, and internet).</textformat></li><li><textformat leftmargin='30'>Apply consumer protection laws to dispute a claim.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147642|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br></font>]]>
</content>
<correlations>
<standard id='147391'>68167,67114,67915,67914,20915,67916,62346,62316,67928,20943,20941,67121,20965,20929,68177,20918,20916,68174,68170,20917,489,396,392,517,365,911,364,39,414,738,</standard>
<standard id='147392'>67915,67916,68167,62346,67914,68170,67938,67871,67935,67941,67939,67928,67940,20914,67114,20918,20915,68169,67929,62313,517,396,392,414,39,364,911,489,470,209,</standard>
<standard id='147393'>68169,67916,67915,68167,67114,67914,62346,68174,20915,20916,20917,68177,68176,67917,67116,20965,62316,20943,20942,62327,470,489,517,585,453,396,177,209,390,392,</standard>
<standard id='147394'>68168,61984,61983,68171,68167,68176,68175,20959,20958,20965,20957,67123,68172,67878,62326,68177,67871,67872,67873,67870,455,481,377,66,585,591,910,390,389,385,</standard>
<standard id='147395'>67925,68177,67116,67114,67121,62346,62316,20942,20943,20965,67914,67916,68167,68169,68174,67937,67928,20941,67917,67915,414,361,584,375,455,489,468,470,364,453,</standard>
<standard id='147397'>67936,62318,62630,67113,67925,68170,61985,68177,62348,68171,68178,61984,67116,68164,68172,61969,67878,68166,68165,67119,483,584,414,910,361,455,556,475,375,370,</standard>
<standard id='147398'>67121,67122,67123,67124,67120,67119,67115,67116,67117,67118,67870,67871,67877,67878,67879,67880,67876,67875,67872,67873,389,385,390,356,392,384,343,313,330,329,</standard>
<standard id='147399'>67936,62318,62630,67113,67925,68170,61985,68177,62348,68171,68178,61984,67116,68164,68172,61969,67878,68166,68165,67119,483,584,414,910,361,455,556,475,375,370,</standard>
<standard id='147400'>67925,68177,67116,62630,67114,62346,67113,62318,20943,20965,61985,62316,67121,67915,68167,68169,68170,68174,67937,67936,584,414,361,455,375,453,470,489,468,483,</standard>
<standard id='147401'>62358,67915,67931,67936,62323,62326,67880,68173,67916,67917,20943,67938,67944,62321,20925,20955,67933,67914,62318,62357,357,276,369,209,328,557,634,382,387,559,</standard>
<standard id='147402'>20943,67917,67915,67880,62321,62358,67931,67916,67944,67938,68173,67936,68174,62318,20955,62323,62357,67914,67933,67923,357,382,369,634,276,530,559,509,384,387,</standard>
<standard id='147403'>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='147404'>60224,67916,60332,68238,67914,67915,20763,68272,68241,20837,68273,68139,67871,60336,68233,68097,62632,68094,20839,20838,592,702,51,258,157,230,792,308,579,762,</standard>
<standard id='147405'>67916,67915,60226,60224,67914,20801,68238,20838,60334,20810,65764,65760,20811,65755,65762,65758,68143,67917,68234,20836,346,581,773,308,792,592,579,702,354,347,</standard>
<standard id='147406'>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='147407'>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='147408'>68238,68235,68278,62644,68094,65755,65758,65762,65760,20810,60226,20838,20844,20837,60224,65764,20811,20798,67917,68273,702,792,346,746,157,45,581,579,586,403,</standard>
<standard id='147409'>60333,60335,60338,20766,20769,68236,20806,67917,20803,68237,60214,60213,68141,20799,20798,20811,68142,60231,65765,20810,719,702,725,187,153,773,676,263,542,539,</standard>
<standard id='147410'>67917,20836,20834,20805,68094,67916,67915,60226,68248,67914,60334,60224,20838,20810,20801,68238,68272,67881,20802,68270,346,403,276,394,581,308,592,773,792,579,</standard>
<standard id='147411'>68235,60214,68278,68238,60215,68239,68094,20803,20800,62644,60212,15848,15857,68282,20802,15854,67878,68141,60316,68242,469,346,792,702,556,746,355,45,157,579,</standard>
<standard id='147412'>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='147413'>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='147414'>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='147415'>67917,20834,67916,67915,68094,20805,68143,67914,65768,20836,67880,60226,68281,65764,20810,60334,20838,20801,68238,60224,276,394,403,346,579,559,552,258,725,586,</standard>
<standard id='147416'>67915,67917,68143,60220,67880,65763,60229,68279,67916,68280,20773,15855,67914,15846,65768,15848,15856,62205,67877,15849,259,634,664,553,276,369,394,961,747,579,</standard>
<standard id='147417'>60224,67915,67916,60226,68097,20834,67914,20801,68238,20838,60334,20810,65764,65762,65760,65755,20811,65758,68234,68143,702,586,719,792,581,346,647,371,476,308,</standard>
<standard id='147418'>67917,67880,20805,68094,20834,67915,67916,60229,68279,20803,60220,65763,68143,68280,20773,65768,60335,60333,67882,15855,276,394,719,403,579,553,369,259,634,747,</standard>
<standard id='147419'>67917,20803,68094,20802,67915,15857,60316,68270,68272,61970,67881,62643,20805,68248,67882,60318,60314,68240,60230,67873,394,355,746,542,522,356,702,62,276,403,</standard>
<standard id='147420'>67668,67670,67667,56534,60224,17798,20851,67669,15423,68289,17796,20821,15944,15427,17818,56532,62448,56533,17795,15424,94,121,312,158,341,463,386,759,306,535,</standard>
<standard id='147421'>67667,67669,60224,67668,60226,56532,56533,56534,17798,17795,68289,15424,15423,17818,20851,67670,17814,17809,67746,15427,759,463,386,341,312,158,630,121,94,764,</standard>
<standard id='147422'>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='147423'>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='147424'>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='147425'>17811,65740,62224,17812,17806,15424,17805,65743,67667,17798,17796,67670,67669,67668,17818,60226,56530,56531,20851,20852,94,306,707,346,388,319,162,312,121,45,</standard>
<standard id='147427'>17811,62224,17812,17806,65743,17805,67667,17798,17796,67670,67669,67668,17818,60226,56530,56531,56529,20851,20852,56532,94,306,707,346,162,312,319,388,121,45,</standard>
<standard id='147428'>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='147429'>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='147430'>56532,17811,56534,56533,60224,60226,17812,17806,17805,67850,17818,17795,17796,17798,67668,20852,65740,56531,20851,20821,707,346,94,271,306,691,121,388,582,386,</standard>
<standard id='147431'>17811,62224,17812,17806,65743,17805,67667,17798,17796,67670,67669,67668,17818,60226,56530,56531,56529,20851,20852,56532,94,306,707,346,162,312,319,388,121,45,</standard>
<standard id='147432'>15949,20817,17808,17804,67668,68143,68106,60251,67755,60220,15428,17807,60229,67855,17806,17802,17801,17803,17805,67669,335,333,508,553,615,551,317,259,47,24,</standard>
<standard id='147433'>67669,65691,67755,17804,67855,17807,20817,15949,17808,60220,60229,60251,68106,68143,67668,15428,67748,67667,67737,62477,615,850,604,48,255,395,553,508,551,46,</standard>
<standard id='147434'>17811,67736,17805,17806,67670,20851,17798,67858,67850,17795,20852,17812,60224,62224,65743,65740,17818,20821,67669,67668,707,346,306,94,581,386,650,759,162,625,</standard>
<standard id='147435'>60261,17837,67736,67642,67644,65685,67729,65604,62507,15952,65601,62515,17809,56530,56529,60213,17814,67764,67752,67749,719,154,602,725,773,542,676,274,692,606,</standard>
<standard id='147436'>67669,68036,68037,67733,68041,17818,68040,68035,67755,68033,15953,15954,60318,60261,15955,67667,68030,68027,60316,60257,522,759,694,542,306,355,43,663,727,632,</standard>
<standard id='147437'>62325,20922,20923,68164,61985,67934,67117,20929,20931,20924,62326,20915,68170,67873,68169,67917,62322,62348,62630,62314,745,364,363,392,393,556,368,539,390,389,</standard>
<standard id='147438'>62325,20922,20923,68164,61985,67934,67117,20929,20931,20924,62326,20915,68170,67873,68169,67917,62322,62348,62630,62314,745,364,363,392,393,556,368,539,390,389,</standard>
<standard id='147439'>20915,62326,20929,68167,67915,68169,67916,67914,68174,67114,62346,20916,68177,20917,68176,67917,67116,62316,20943,20965,470,489,517,585,453,396,177,209,390,392,</standard>
<standard id='147440'>62325,20922,20923,68164,61985,67934,67117,20929,20931,20924,62326,20915,68170,67873,68169,67917,62322,62348,62630,62314,745,364,363,392,393,556,368,539,390,389,</standard>
<standard id='147441'>62325,20929,62318,20955,62327,67875,68165,67942,67925,67118,62326,20924,20921,68164,20920,20922,67882,62353,67917,20923,745,501,374,62,313,155,476,910,363,330,</standard>
<standard id='147442'>67117,62326,62352,67876,67883,62317,20962,20960,20961,67922,67926,67943,67945,68164,67940,67934,67927,67929,20944,62327,745,478,448,446,358,64,301,911,539,63,</standard>
<standard id='147443'>62318,67113,68172,68171,20934,67917,20954,67936,67881,20946,20938,20941,67935,20945,20940,20955,68174,67932,68177,62321,414,209,483,584,361,453,276,910,41,556,</standard>
<standard id='147444'>20807,20802,20808,68277,60315,68095,20806,15854,20800,20804,68236,60333,67876,20769,20770,20765,68279,60336,68276,67883,719,668,725,702,203,350,57,695,676,552,</standard>
<standard id='147445'>20804,20806,20800,68236,62631,68270,68139,68232,62647,20812,68094,20807,60228,67875,68140,20808,68276,20764,68279,67883,719,668,725,676,695,727,692,476,229,62,</standard>
<standard id='147446'>67916,67915,60226,60224,67914,20801,68238,20838,60334,20810,65764,65760,20811,65755,65762,65758,68143,67917,68234,20836,346,581,773,308,792,592,579,702,354,347,</standard>
<standard id='147447'>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='147448'>20805,20800,68094,20806,20798,20802,20807,20803,20808,68236,20835,68270,67875,68237,20811,68142,68139,68281,67917,20812,692,725,469,676,719,203,62,727,403,772,</standard>
<standard id='147449'>20807,15854,60315,68095,60333,20808,68277,20802,68279,20770,67883,60336,67876,68140,20769,20764,20765,68276,60214,20811,719,203,702,350,668,57,725,676,231,664,</standard>
<standard id='147450'>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='147451'>68278,60212,68239,67878,68094,60215,60214,68235,68238,68241,60224,68246,68244,68242,60234,60226,68277,15857,20800,20802,702,346,157,792,469,206,355,45,556,746,</standard>
<standard id='147452'>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='147453'>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='147454'>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='147455'>56530,17813,62584,15429,62132,56529,60315,60259,20856,67736,15951,56531,68142,17809,67750,62515,60214,15964,67764,20857,719,676,668,725,650,203,692,994,154,1011,</standard>
<standard id='147456'>56530,17809,20863,17813,56531,68142,15429,56529,67669,62618,62584,62177,62132,60315,15952,67736,68290,62480,15964,15951,719,773,283,725,94,692,676,154,650,994,</standard>
<standard id='147457'>17809,56531,20863,62177,62618,67669,67670,56529,68142,17814,20859,56530,60226,67668,17818,67667,15424,56533,56534,17795,719,94,773,581,271,759,346,312,386,630,</standard>
<standard id='147458'>17809,56531,20863,62177,62618,67669,67670,56529,68142,17814,20859,56530,60226,67668,17818,67667,15424,56533,56534,17795,719,94,773,581,271,759,346,312,386,630,</standard>
<standard id='147459'>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='147460'>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='147461'>56530,56529,60214,17813,15952,68142,15429,17809,68141,56531,67858,67736,60259,60315,15951,68287,15953,62480,20863,67764,650,94,305,719,994,130,312,154,128,203,</standard>
<standard id='147462'>60214,56529,56530,17811,60226,56531,17812,68142,67858,67736,65743,60234,67850,17805,17806,56534,17798,60224,17795,17796,346,94,650,306,707,45,162,121,388,17,</standard>
<standard id='147463'>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='147464'>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='147465'>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='147466'>68295,68287,17813,17812,60212,60215,68305,62479,56529,60214,56530,65743,17827,15953,60316,67757,68293,15964,17837,56533,707,346,305,691,121,36,558,388,719,306,</standard>
<standard id='147467'>67936,62318,62630,67113,67925,68170,61985,68177,62348,68171,68178,61984,67116,68164,68172,61969,67878,68166,68165,67119,483,584,414,910,361,455,556,475,375,370,</standard>
<standard id='147468'>67936,62318,62630,67113,67925,68170,61985,68177,62348,68171,68178,61984,67116,68164,68172,61969,67878,68166,68165,67119,483,584,414,910,361,455,556,475,375,370,</standard>
<standard id='147469'>67936,62318,62630,67113,67925,68170,61985,68177,62348,68171,68178,61984,67116,68164,68172,61969,67878,68166,68165,67119,483,584,414,910,361,455,556,475,375,370,</standard>
<standard id='147470'>61984,68177,67878,20958,20959,67942,68178,61983,68168,68171,67123,67934,67935,67932,67929,62326,61982,68176,68167,20963,455,361,918,66,910,414,381,585,358,377,</standard>
<standard id='147471'>67936,62318,62630,67113,67925,68170,61985,68177,62348,68171,68178,61984,67116,68164,68172,61969,67878,68166,68165,67119,483,584,414,910,361,455,556,475,375,370,</standard>
<standard id='147472'>68177,67878,61984,68178,62352,67932,67934,67929,67938,68168,68167,67942,20965,67935,62326,67113,67936,67925,61985,68170,483,414,361,910,455,364,539,206,584,381,</standard>
<standard id='147473'>67915,68166,67872,60314,67945,67944,62322,67940,67930,67873,62359,62360,61970,68178,67916,67917,67122,67121,67118,67119,370,356,281,410,198,385,647,372,375,841,</standard>
<standard id='147474'>67917,67930,62318,20929,20954,20941,20938,61970,67933,67882,67915,67881,62322,67944,67872,67873,67940,60314,67945,68166,357,453,276,62,356,41,370,198,375,385,</standard>
<standard id='147475'>67915,68166,67872,60314,67945,67944,62322,67940,67930,67873,62359,62360,61970,68178,67916,67917,67122,67121,67118,67119,370,356,281,410,198,385,647,372,375,841,</standard>
<standard id='147476'>61984,68171,68167,67878,61983,68168,68176,68177,68175,68172,20965,20959,67123,20958,62326,67113,62630,61969,68164,67925,455,910,591,585,66,377,556,475,414,483,</standard>
<standard id='147477'>68171,61984,68172,67878,68168,68167,68177,68175,61983,68176,61985,67936,20965,62318,62630,68170,67113,67925,62326,20958,455,910,414,361,584,483,591,585,375,556,</standard>
<standard id='147478'>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='147479'>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='147480'>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='147481'>60215,68242,67878,68094,60228,60222,60224,60223,68245,62645,68239,60232,60212,68278,68097,60213,68095,60220,60227,60234,702,157,918,515,542,45,556,346,476,469,</standard>
<standard id='147482'>60228,68242,60215,60224,60232,60223,68245,68094,68239,67878,60222,62645,60213,60212,60214,68282,60217,67915,60218,68096,702,157,918,556,542,476,45,515,469,259,</standard>
<standard id='147483'>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='147484'>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='147485'>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='147486'>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='147487'>60316,15857,67915,62644,60314,67872,68240,60318,67873,60230,62640,62641,61970,62643,68248,65764,65758,67916,65767,67917,355,746,702,522,356,542,647,727,719,462,</standard>
<standard id='147488'>67915,62643,61970,68248,67873,60314,67872,68240,15857,60316,60230,60318,62641,62644,65758,62640,65764,67917,65767,67916,746,522,356,542,355,394,719,69,727,647,</standard>
<standard id='147490'>67916,67915,60226,60224,67914,20801,68238,20838,60334,20810,65764,65760,20811,65755,65762,65758,68143,67917,68234,20836,346,581,773,308,792,592,579,702,354,347,</standard>
<standard id='147491'>68094,20801,68243,60223,68241,60217,60226,60234,68097,15851,60225,68246,68242,68244,62211,62202,62631,65755,62632,62201,476,346,45,789,157,702,515,37,581,579,</standard>
<standard id='147492'>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='147493'>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='147494'>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='147495'>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='147496'>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='147497'>68297,60223,60217,17810,68300,62144,20829,68104,68306,17812,60212,68287,63120,20825,20828,65690,62516,62450,62451,62454,388,36,175,84,570,847,37,603,346,121,</standard>
<standard id='147498'>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='147499'>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='147500'>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='147501'>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='147502'>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='147503'>68058,15428,17804,60251,67855,60229,67755,15949,20817,17807,17801,17811,17806,17805,67748,67737,15948,17802,62141,15946,46,259,201,508,553,758,615,551,132,317,</standard>
<standard id='147504'>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='147507'>68297,68110,60234,68306,68104,60223,68300,62144,17810,60217,20829,68106,60254,15962,68111,62142,65740,60225,60213,67734,36,37,847,84,570,388,175,26,603,547,</standard>
<standard id='147508'>68168,61984,61983,68171,68167,68176,68175,20959,20958,20965,20957,67123,68172,67878,62326,68177,67871,67872,67873,67870,455,481,377,66,585,591,910,390,389,385,</standard>
<standard id='147509'>68168,61984,61983,68171,68167,68176,68175,20959,20958,20965,20957,67123,68172,67878,62326,68177,67871,67872,67873,67870,455,481,377,66,585,591,910,390,389,385,</standard>
<standard id='147510'>68168,61984,61983,68171,68167,68176,68175,20959,20958,20965,20957,67123,68172,67878,62326,68177,67871,67872,67873,67870,455,481,377,66,585,591,910,390,389,385,</standard>
<standard id='147511'>61984,61983,68171,68168,68167,68176,68175,67878,68172,20958,20959,20957,67123,20965,62326,68177,67113,67942,62630,20963,455,910,591,377,585,481,66,64,483,501,</standard>
<standard id='147512'>68168,61984,61983,68171,68167,68176,68175,20959,20958,20965,20957,67123,68172,67878,62326,68177,67871,67872,67873,67870,455,481,377,66,585,591,910,390,389,385,</standard>
<standard id='147513'>61983,61984,68168,68167,68176,68175,68171,20965,20959,67123,20958,67878,62326,68177,20963,68172,20957,67942,67117,61982,455,585,481,66,591,476,377,918,501,634,</standard>
<standard id='147514'>67936,62318,62630,67113,67925,68170,61985,68177,62348,68171,68178,61984,67116,68164,68172,61969,67878,68166,68165,67119,483,584,414,910,361,455,556,475,375,370,</standard>
<standard id='147515'>68171,61984,68172,67878,68168,68167,68177,68175,61983,68176,61985,67936,20965,62318,62630,68170,67113,67925,62326,20958,455,910,414,361,584,483,591,585,375,556,</standard>
<standard id='147516'>68168,61984,61983,68171,68167,68176,68175,20959,20958,20965,20957,67123,68172,67878,62326,68177,67871,67872,67873,67870,455,481,377,66,585,591,910,390,389,385,</standard>
<standard id='147517'>68239,68242,68094,67878,60215,60234,68238,60214,68244,68235,68246,68278,68095,62645,68097,60222,60212,20800,20802,62644,346,702,469,45,157,792,556,746,355,37,</standard>
<standard id='147518'>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='147519'>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='147520'>60223,68243,60217,68242,60234,68094,68246,68244,60227,60218,68245,68097,62645,68095,60213,60222,68239,20801,15851,60226,515,37,476,346,789,553,157,702,634,647,</standard>
<standard id='147521'>68242,68097,60222,68095,68239,62645,60234,60217,68246,60223,68243,68244,68096,60215,60216,67878,68094,60220,60227,60228,37,515,501,505,645,647,476,634,345,58,</standard>
<standard id='147522'>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='147523'>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='147524'>68239,67878,68094,68246,68244,68242,60226,68238,60234,68278,68235,60214,60212,20803,68247,60225,62645,62644,62640,60316,702,346,157,45,515,37,792,469,355,789,</standard>
<standard id='147525'>68246,60223,68244,68243,68242,60226,68097,68094,68095,62645,62640,60225,60212,15851,67878,60222,60217,68241,60232,65762,37,515,789,702,346,157,337,338,328,345,</standard>
<standard id='147526'>68246,68244,68242,62645,60226,62640,68094,60225,68095,68097,15851,67878,60222,68243,60223,68247,60234,68239,60212,60217,37,515,346,157,789,702,45,345,337,338,</standard>
<standard id='147527'>68239,67878,68094,68246,68244,68242,60226,68238,60234,68278,68235,60214,60212,20803,68247,60225,62645,62644,62640,60316,702,346,157,45,515,37,792,469,355,789,</standard>
<standard id='147528'>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='147529'>60215,68239,68242,60223,60224,68243,60217,60228,68245,60222,60234,60220,60219,60218,60213,60216,60221,60233,62645,68095,469,918,771,253,58,505,501,345,371,476,</standard>
<standard id='147530'>68242,62645,68094,60232,67878,60228,68246,68244,60222,68239,68247,68097,60234,68095,62640,60225,60226,15851,60223,60224,515,702,157,45,542,37,918,476,772,789,</standard>
<standard id='147531'>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='147532'>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='147533'>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='147534'>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='147535'>68094,67878,68239,68246,68242,68244,60234,60217,60223,68243,20803,68141,68235,68097,68238,60215,60316,62645,62644,62640,702,157,346,45,515,37,556,355,746,469,</standard>
<standard id='147536'>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='147537'>67858,60214,17811,65743,56530,56529,68295,68305,17812,60215,68302,60212,17813,60234,62224,68287,68293,68294,68141,67757,346,17,94,113,650,306,707,121,162,36,</standard>
<standard id='147538'>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='147539'>68297,60234,68104,68306,68110,60217,60223,67738,68296,68291,60227,62454,62142,60218,62512,68307,65740,60213,68106,20829,543,533,264,553,36,603,26,37,847,175,</standard>
<standard id='147540'>68110,15960,60253,60228,62602,62584,65690,65723,60224,60254,60252,60223,68111,68042,67754,68028,17828,67857,67747,56533,84,163,391,348,367,997,1009,700,691,542,</standard>
<standard id='147541'>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='147542'>62144,60215,60223,60217,62602,68104,65690,60254,60222,68110,60234,17812,62601,68295,68305,68111,68302,68297,68300,17810,388,36,162,346,121,45,603,26,847,175,</standard>
<standard id='147543'>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='147544'>62144,62602,60234,62601,60254,65690,60222,68110,68111,68104,68297,60217,68300,17810,60223,20829,60216,60253,60215,62267,570,388,847,84,175,603,36,26,37,346,</standard>
<standard id='147545'>20829,68297,68300,62144,20828,20825,60223,17810,68287,60225,60222,65690,17812,60212,68104,62273,15962,62516,60226,68306,388,84,570,37,36,175,847,603,121,353,</standard>
<standard id='147546'>68287,17812,60212,20829,60223,62144,20828,68297,17810,20825,68300,65743,60226,60214,56530,56529,17811,67858,60254,60316,388,36,346,121,603,37,84,570,175,847,</standard>
<standard id='147547'>62144,20829,68300,17810,68297,60223,68104,60254,65690,60222,17812,20825,60217,20828,68306,15962,60225,60234,62601,62516,388,36,175,847,603,570,84,37,121,346,</standard>
<standard id='147548'>17812,68302,68295,68305,60214,17811,65743,67858,56530,56529,60234,60226,60215,17813,60212,62224,68287,68293,68294,68141,346,162,45,36,388,121,707,113,17,94,</standard>
<standard id='147549'>60215,17811,60234,65741,65743,60214,56530,67858,60224,56529,60233,60253,62144,62452,62267,60228,60316,60254,60222,60217,94,113,306,346,707,17,650,333,335,312,</standard>
<standard id='147550'>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='147551'>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='147552'>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='147553'>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='147554'>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='147555'>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='147556'>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='147557'>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='147559'>62352,62214,67123,67878,62208,61984,20959,20965,61982,61983,67929,67932,68168,68176,68177,68178,68167,67942,67934,67935,539,364,585,206,591,393,414,455,377,483,</standard>
<standard id='147560'>62352,62214,67123,67878,62208,61984,20959,20965,61982,61983,67929,67932,68168,68176,68177,68178,68167,67942,67934,67935,539,364,585,206,591,393,414,455,377,483,</standard>
<standard id='147562'>20963,20958,20959,61984,67942,20934,20954,20938,20955,20942,20940,20939,67117,61983,61982,20957,67123,67943,68169,68174,918,64,476,455,358,585,66,377,361,745,</standard>
<standard id='147563'>61984,61983,68167,68168,68176,20959,20965,67878,20958,67123,62326,68177,62208,67932,62352,61982,67938,67935,68178,67934,455,585,66,591,377,483,358,385,206,414,</standard>
<standard id='147564'>62352,62214,67123,67878,62208,61984,20959,20965,61982,61983,67929,67932,68168,68176,68177,68178,68167,67942,67934,67935,539,364,585,206,591,393,414,455,377,483,</standard>
<standard id='147565'>62352,62214,67123,67878,62208,61984,20959,20965,61982,61983,67929,67932,68168,68176,68177,68178,68167,67942,67934,67935,539,364,585,206,591,393,414,455,377,483,</standard>
<standard id='147566'>61983,67942,61982,68168,68177,68167,68176,61984,62208,62214,20965,62352,20959,67932,67935,67938,68178,67934,20958,67878,918,455,66,361,393,155,358,385,539,414,</standard>
<standard id='147567'>62352,62214,67123,67878,62208,61984,20959,20965,61982,61983,67929,67932,68168,68176,68177,68178,68167,67942,67934,67935,539,364,585,206,591,393,414,455,377,483,</standard>
<standard id='147568'>62358,67915,67931,67936,62323,62326,20925,67880,68173,62349,62350,67120,62354,67117,67119,67122,62629,67874,67113,62351,276,357,328,557,209,369,229,634,382,559,</standard>
<standard id='147569'>62358,67915,67931,67936,62323,62326,68173,67880,62321,67916,67917,20943,20925,67944,67938,20955,67933,67914,67120,62356,357,276,369,209,328,557,634,382,509,387,</standard>
<standard id='147570'>60217,60223,68243,68094,60227,60234,60213,68245,60218,68244,68241,68242,68246,68239,68278,60212,67878,60215,68097,68095,553,37,515,346,157,702,727,539,725,719,</standard>
<standard id='147571'>68243,60217,60223,60234,60227,60218,68245,60213,68242,62645,60215,60233,68097,68095,68096,60216,68239,60221,60224,60228,476,501,634,645,647,505,771,253,345,371,</standard>
<standard id='147572'>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='147574'>68242,60222,60215,60223,60224,60228,68245,62645,60213,68095,68097,68239,60216,60220,60227,60234,60221,68243,60218,60219,918,157,515,702,476,542,634,645,647,58,</standard>
<standard id='147575'>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='147576'>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='147577'>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='147578'>60223,60217,68242,68243,60216,60213,68097,68239,60218,68095,60219,60227,60234,62645,60224,60222,60220,60221,68245,60215,918,515,37,501,476,539,505,634,647,645,</standard>
<standard id='147579'>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='147580'>68243,60217,60223,60234,60227,60218,68245,60213,68242,62645,60215,60233,68097,68095,68096,60216,68239,60221,60224,60228,476,501,634,645,647,505,771,253,345,371,</standard>
<standard id='147581'>68243,60217,60223,60234,60227,60218,68245,60213,68242,20801,68239,60215,62645,68094,68097,68096,68095,68280,60216,60221,476,501,469,371,918,634,645,345,647,58,</standard>
<standard id='147582'>68279,60229,60232,68280,67915,15855,68242,68096,15856,67880,65763,62634,68276,20802,67874,62635,68094,68142,62638,68274,394,328,553,961,276,664,259,747,258,692,</standard>
<standard id='147583'>68280,68242,68096,67915,60229,68279,60232,15855,60233,60220,67880,65763,15856,60216,60217,60218,60215,60213,68097,68095,276,328,664,961,747,553,259,394,692,762,</standard>
<standard id='147584'>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='147585'>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='147586'>60223,60217,62144,60254,60213,67749,60220,60221,60224,60222,60218,15960,17830,60215,60216,68104,60219,60227,65690,62584,333,292,335,334,698,175,388,37,603,570,</standard>
<standard id='147587'>56530,67858,17811,65743,68287,60214,17813,56529,65740,67738,60234,60316,17812,60215,60212,62224,68295,68302,68305,68294,650,113,346,306,707,94,17,264,533,543,</standard>
<standard id='147588'>60223,60215,67742,67857,68111,68110,60217,60222,62144,60254,60228,60224,15960,60253,67749,17830,60213,60216,62584,68109,371,479,505,335,333,131,253,292,771,334,</standard>
<standard id='147589'>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='147590'>68295,56534,15960,60261,56533,60252,68028,17828,62143,68110,60232,60228,60253,67754,68042,67747,62602,62591,65690,65603,691,700,163,348,367,997,84,1009,542,391,</standard>
<standard id='147591'>60223,60217,68110,15960,68297,68104,62454,60213,60218,60227,60234,68307,65690,65723,62584,62144,60253,60222,60215,60254,84,36,698,367,700,691,348,333,292,553,</standard>
<standard id='147592'>60223,68300,20829,68297,17810,62144,17812,62273,62450,68287,15962,62516,68104,60212,65690,60254,68306,68308,60226,60225,175,84,570,388,847,36,603,37,547,346,</standard>
<standard id='147593'>60223,60217,68297,62144,60234,68104,60218,60227,60213,62454,68307,60215,20829,17810,68300,63120,62512,68306,67738,17830,388,36,847,603,698,175,37,84,570,553,</standard>
<standard id='147594'>60223,68297,60217,68295,17813,17812,60212,68287,60215,68305,20829,62144,68300,17810,63120,62512,60213,60227,60218,60234,388,36,305,707,346,121,691,558,570,175,</standard>
<standard id='147595'>17810,17812,15962,68307,60212,17813,68141,68305,68295,68287,60215,62446,68297,63120,63118,60223,68107,15432,62144,67647,36,388,348,353,275,175,698,691,121,558,</standard>
<standard id='147596'>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='147597'>60223,60215,67742,67857,68111,68110,60217,60222,62144,60254,60228,60224,15960,60253,67749,17830,60213,60216,62584,68109,371,479,505,335,333,131,253,292,771,334,</standard>
<standard id='147598'>68110,15960,60253,60228,62602,62584,65690,65723,60224,60254,60252,60223,68111,68042,67754,68028,17828,67857,67747,56533,84,163,391,348,367,997,1009,700,691,542,</standard>
<standard id='147599'>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='147600'>20817,17807,17804,15949,15428,67855,60251,67755,60229,68109,67737,15948,17801,62141,15946,68058,67748,60232,20818,20819,758,259,508,553,615,201,317,132,46,47,</standard>
<standard id='147601'>60223,60215,67742,67857,68111,68110,60217,60222,62144,60254,60228,60224,15960,60253,67749,17830,60213,60216,62584,68109,371,479,505,335,333,131,253,292,771,334,</standard>
<standard id='147602'>68297,60217,60223,62144,17810,68300,20829,63120,17813,17812,67738,62454,60227,60212,60215,60218,68104,60213,60234,62512,36,388,84,603,570,847,175,698,37,553,</standard>
<standard id='147603'>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='147605'>67942,67120,67121,67122,67123,67119,67118,67115,67116,67117,67124,67870,67877,67878,67879,67880,67876,67875,67871,67872,745,389,385,390,392,356,384,343,313,330,</standard>
<standard id='147606'>20945,67113,67935,62318,20941,62321,20938,20940,67933,67932,67882,67881,67880,61970,67917,20954,20955,20956,62323,20946,357,453,276,383,209,509,62,41,384,392,</standard>
<standard id='147607'>67880,68173,62323,67113,62358,62321,67915,67917,67936,67931,20954,62318,20956,20955,67120,67933,68174,67882,20941,62350,357,276,209,369,328,557,384,509,383,229,</standard>
<standard id='147608'>20945,67113,67935,62318,20941,62321,20938,20940,67933,67932,67882,67881,67880,61970,67917,20954,20955,20956,62323,20946,357,453,276,383,209,509,62,41,384,392,</standard>
<standard id='147609'>68168,61984,61983,68171,68167,68176,68175,20959,20958,20965,20957,67123,68172,67878,62326,68177,67871,67872,67873,67870,481,455,377,585,66,476,591,910,385,389,</standard>
<standard id='147610'>68168,61984,61983,68171,68167,68176,68175,20959,20958,20965,20957,67123,68172,67878,62326,68177,67871,67872,67873,67870,455,481,377,66,585,591,910,390,389,385,</standard>
<standard id='147612'>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='147613'>68245,60227,68243,60234,60217,20801,60223,68094,60213,60218,68139,68236,67875,65769,20804,67874,67917,20842,67915,67876,476,553,501,668,676,727,695,692,376,380,</standard>
<standard id='147614'>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='147615'>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='147616'>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='147617'>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='147618'>60223,60217,68243,68245,60227,60218,60213,68094,60234,68246,68244,68242,68241,62208,60219,60220,60221,68239,15851,62214,553,354,515,37,725,727,476,719,773,157,</standard>
<standard id='147619'>67916,67915,60226,60224,67914,20801,68238,20838,60334,20810,65764,65760,20811,65755,65762,65758,68143,67917,68234,20836,346,581,773,308,792,592,579,702,354,347,</standard>
<standard id='147620'>61970,68094,68270,67917,62643,20836,20805,20803,20802,20834,68272,68248,67880,67881,67882,68274,67873,65763,67874,67875,58,62,187,394,276,346,403,338,337,328,</standard>
<standard id='147621'>61970,68094,68270,67917,62643,20836,20805,20803,20802,20834,68272,68248,67880,67881,67882,68274,67873,65763,67874,67875,58,62,187,394,276,346,403,338,337,328,</standard>
<standard id='147622'>68094,68246,68242,68244,62645,20805,20834,20802,62643,68239,20836,20803,68095,67878,60222,60225,60226,60234,67880,67917,346,515,37,702,403,157,187,276,62,45,</standard>
<standard id='147623'>68239,67878,68094,68246,68244,68242,60226,68238,60234,68278,68235,60214,60212,20803,68247,60225,62645,62644,62640,60316,702,346,157,45,515,37,792,469,355,789,</standard>
<standard id='147625'>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='147626'>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='147627'>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='147628'>67738,60217,68291,60234,60213,60218,60223,60227,68110,62142,68106,68104,68296,68297,65740,62512,68306,62454,68307,67750,264,533,543,553,676,668,773,479,694,725,</standard>
<standard id='147629'>67738,60217,68291,60234,60213,60218,60223,60227,68110,62142,68106,68104,68296,68297,65740,62512,68306,62454,68307,67750,264,533,543,553,676,668,773,479,694,725,</standard>
<standard id='147631'>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='147632'>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='147633'>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='147634'>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='147635'>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='147637'>56532,62473,67856,62507,56534,56533,68058,68306,62452,65593,65592,65591,65594,65598,65601,65602,65600,65599,65596,65597,162,651,847,188,46,43,10,26,346,131,</standard>
<standard id='147638'>62452,60223,56533,56534,67742,67857,68111,68110,60215,60222,60253,62144,60228,60224,15960,60217,60254,68058,65690,68043,847,188,26,371,346,505,771,651,335,479,</standard>
<standard id='147639'>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='147641'>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='147642'>62144,62602,60234,62601,60254,65690,60222,68110,68111,68104,68297,60217,68300,17810,60223,20829,60216,60253,60215,62267,570,388,847,84,175,603,36,26,37,346,</standard>
</correlations>
</standards>