<standards name='NJ_PF'><title>New Jersey Standards in Personal Finance</title><content><![CDATA[<font color='#333333'><p>These standards in personal finance are current as of <b>2009</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_nj_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=nj_pf'>web site</a> to learn more.</p><p>----------------------------------------------------------------</p><p class='contentarea'>Content Area: Personal Financial Literacy: All students will develop skills and strategies that promote personal and financial responsibility related to financial planning, savings, investment, and charitable giving in the global economy. </p><p>----------------------------------------------------------------</p><p class='contentarea'>Standard: 9.2.4.A.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 4</p><br><li>Strand A. Income and Careers</li><li><textformat leftmargin='15'>Content: Educational achievement, career choice, and entrepreneurial skills all play a role in achieving a desired lifestyle.</textformat></li><li><textformat leftmargin='30'>Explain the difference between a career and a job, and identify various jobs in the community and the related earnings.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145897|true|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.4.A.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 4</p><br><li>Strand A. Income and Careers</li><li><textformat leftmargin='15'>Content: Income often comes from different sources, including alternative sources.</textformat></li><li><textformat leftmargin='30'>Identify potential sources of income and their limitations.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145898|true|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.4.A.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 4</p><br><li>Strand A. Income and Careers</li><li><textformat leftmargin='15'>Content: Income affects spending decisions and lifestyle.</textformat></li><li><textformat leftmargin='30'>Explain how income affects spending and take-home pay.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145899|true|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.4.A.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 4</p><br><li>Strand A. Income and Careers</li><li><textformat leftmargin='15'>Content: Taxes and the cost of employee benefits affect the amount of disposable income.</textformat></li><li><textformat leftmargin='30'>Explain the meaning and purposes of taxes and tax deductions and why fees for various benefits (e.g., medical benefits) are taken out of pay.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145900|true|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.A.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand A. Income and Careers</li><li><textformat leftmargin='15'>Content: Educational achievement, career choice, and entrepreneurial skills all play a role in achieving a desired lifestyle.</textformat></li><li><textformat leftmargin='30'>Relate how career choices, education choices, skills, entrepreneurship, and economic conditions affect income.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145901|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.A.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand A. Income and Careers</li><li><textformat leftmargin='15'>Content: Educational achievement, career choice, and entrepreneurial skills all play a role in achieving a desired lifestyle.</textformat></li><li><textformat leftmargin='30'>Differentiate among ways that workers can improve earning power through the acquisition of new knowledge and skills.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145902|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.A.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand A. Income and Careers</li><li><textformat leftmargin='15'>Content: Educational achievement, career choice, and entrepreneurial skills all play a role in achieving a desired lifestyle.</textformat></li><li><textformat leftmargin='30'>Relate earning power to quality of life across cultures.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145903|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.A.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand A. Income and Careers</li><li><textformat leftmargin='15'>Content: Educational achievement, career choice, and entrepreneurial skills all play a role in achieving a desired lifestyle.</textformat></li><li><textformat leftmargin='30'>Relate how the demand for certain skills determines an individual's earning power.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145904|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.A.5</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand A. Income and Careers</li><li><textformat leftmargin='15'>Content: Income often comes from different sources, including alternative sources.         </textformat></li><li><textformat leftmargin='30'>Explain the difference between "earned income" and "unearned income" (e.g., gifts) and why earned income is important.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145905|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.A.6</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand A. Income and Careers</li><li><textformat leftmargin='15'>Content: Income affects spending decisions and lifestyle.</textformat></li><li><textformat leftmargin='30'>Examine how labor market trends and the cost of living can affect real income, spending decisions, and lifestyle.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145906|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.A.7</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand A. Income and Careers</li><li><textformat leftmargin='15'>Content: Taxes and the cost of employee benefits affect the amount of disposable income.</textformat></li><li><textformat leftmargin='30'>Explain the purpose of the payroll deduction process, taxable income, and employee benefits.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145907|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.A.8</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand A. Income and Careers</li><li><textformat leftmargin='15'>Content: Taxes and the cost of employee benefits affect the amount of disposable income.</textformat></li><li><textformat leftmargin='30'>Differentiate among the types of taxes and employee benefits.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145908|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.A.9</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand A. Income and Careers</li><li><textformat leftmargin='15'>Content: Taxes and the cost of employee benefits affect the amount of disposable income.</textformat></li><li><textformat leftmargin='30'>Differentiate between taxable and nontaxable income.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145909|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.A.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand A. Income and Careers</li><li><textformat leftmargin='15'>Content: Educational achievement, career choice, and entrepreneurial skills all play a role in achieving a desired lifestyle.</textformat></li><li><textformat leftmargin='30'>Analyze the relationship between various careers and personal earning goals.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145910|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.A.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand A. Income and Careers</li><li><textformat leftmargin='15'>Content: Educational achievement, career choice, and entrepreneurial skills all play a role in achieving a desired lifestyle.</textformat></li><li><textformat leftmargin='30'>Identify a career goal and develop a plan and timetable for achieving it, including educational/training requirements, costs, and possible debt.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145911|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.A.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand A. Income and Careers</li><li><textformat leftmargin='15'>Content: Educational achievement, career choice, and entrepreneurial skills all play a role in achieving a desired lifestyle.</textformat></li><li><textformat leftmargin='30'>Analyze how the economic, social, and political conditions of a time period can affect starting a business and can affect a plan for establishing such an enterprise.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145912|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.A.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand A. Income and Careers</li><li><textformat leftmargin='15'>Content: Educational achievement, career choice, and entrepreneurial skills all play a role in achieving a desired lifestyle.</textformat></li><li><textformat leftmargin='30'>Summarize the financial risks and benefits of entrepreneurship as a career choice.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145913|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.A.5</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand A. Income and Careers</li><li><textformat leftmargin='15'>Content: Educational achievement, career choice, and entrepreneurial skills all play a role in achieving a desired lifestyle.</textformat></li><li><textformat leftmargin='30'>Evaluate current advances in technology that apply to a selected occupational career cluster. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145914|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.A.6</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand A. Income and Careers</li><li><textformat leftmargin='15'>Content: Income often comes from different sources, including alternative sources.</textformat></li><li><textformat leftmargin='30'>Analyze and critique various sources of income and available resources (e.g., financial assets, property, and transfer payments) and how they may substitute for earned income.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145915|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.A.7</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand A. Income and Careers</li><li><textformat leftmargin='15'>Content: Income often comes from different sources, including alternative sources.</textformat></li><li><textformat leftmargin='30'>Analyze different forms of currency, how currency is used to exchange goods and services, and how it can be transferred from one person's business to another.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145916|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.A.8</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand A. Income and Careers</li><li><textformat leftmargin='15'>Content: Income affects spending decisions and lifestyle.</textformat></li><li><textformat leftmargin='30'>Analyze how personal and cultural values impact spending and other financial decisions.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145917|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.A.9</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand A. Income and Careers</li><li><textformat leftmargin='15'>Content: Taxes and the cost of employee benefits can affect the amount of disposable income.</textformat></li><li><textformat leftmargin='30'>Demonstrate how exemptions and deductions can reduce taxable income.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145918|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.A.10</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand A. Income and Careers</li><li><textformat leftmargin='15'>Content: Taxes and the cost of employee benefits can affect the amount of disposable income.</textformat></li><li><textformat leftmargin='30'>Explain the relationship between government programs and services and taxation.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145919|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.A.11</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand A. Income and Careers</li><li><textformat leftmargin='15'>Content: Taxes and the cost of employee benefits can affect the amount of disposable income.</textformat></li><li><textformat leftmargin='30'>Explain how compulsory government programs (e.g., Social Security, Medicare) provide insurance against some loss of income and benefits to eligible recipients.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145920|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.A.12</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand A. Income and Careers</li><li><textformat leftmargin='15'>Content: Taxes and the cost of employee benefits can affect the amount of disposable income.</textformat></li><li><textformat leftmargin='30'>Analyze the impact of the collective bargaining process on benefits, income, and fair labor practice.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145921|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.4.B.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 4</p><br><li>Strand B. Money Management</li><li><textformat leftmargin='15'>Content: Money management involves setting financial goals.</textformat></li><li><textformat leftmargin='30'>Differentiate between financial wants and needs.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145922|true|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.4.B.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 4</p><br><li>Strand B. Money Management</li><li><textformat leftmargin='15'>Content: Money management involves setting financial goals.</textformat></li><li><textformat leftmargin='30'>Identify age-appropriate financial goals.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145923|true|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.4.B.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 4</p><br><li>Strand B. Money Management</li><li><textformat leftmargin='15'>Content: Money management is reliant on developing and maintaining personal budgets.</textformat></li><li><textformat leftmargin='30'>Explain what a budget is and why it is important. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145924|true|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.4.B.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 4</p><br><li>Strand B. Money Management</li><li><textformat leftmargin='15'>Content: Money management is reliant on developing and maintaining personal budgets.</textformat></li><li><textformat leftmargin='30'>Identify common household expense categories and sources of income. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145925|true|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.4.B.5</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 4</p><br><li>Strand B. Money Management</li><li><textformat leftmargin='15'>Content: Money management requires understanding of cash flow systems and business practices.</textformat></li><li><textformat leftmargin='30'>Identify ways to earn and save.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145926|true|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.4.B.6</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 4</p><br><li>Strand B. Money Management</li><li><textformat leftmargin='15'>Content: Money management requires understanding of cash flow systems and business practices.</textformat></li><li><textformat leftmargin='30'>Distinguish among cash, check, credit card, and debit card.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145927|true|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.4.B.7</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 4</p><br><li>Strand B. Money Management</li><li><textformat leftmargin='15'>Content: Money management requires understanding of cash flow systems and business practices.</textformat></li><li><textformat leftmargin='30'>Explain the purposes of financial institutions in the community.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145928|true|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.B.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand B. Money Management</li><li><textformat leftmargin='15'>Content: Money management involves setting financial goals. </textformat></li><li><textformat leftmargin='30'>Construct a simple personal savings and spending plan based on various sources of income.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145929|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.B.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand B. Money Management</li><li><textformat leftmargin='15'>Content: Money management involves setting financial goals. </textformat></li><li><textformat leftmargin='30'>Justify the concept of "paying yourself first" as a financial savings strategy.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145930|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.B.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand B. Money Management</li><li><textformat leftmargin='15'>Content: Money management involves setting financial goals. </textformat></li><li><textformat leftmargin='30'>Relate the concept of deferred gratification to investment, meeting financial goals, and building wealth.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145931|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.B.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand B. Money Management</li><li><textformat leftmargin='15'>Content: Money management involves setting financial goals. </textformat></li><li><textformat leftmargin='30'>Analyze the effect of the economy on personal income, individual and family security, and consumer decisions. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145932|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.B.5</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand B. Money Management</li><li><textformat leftmargin='15'>Content: Money management involves setting financial goals. </textformat></li><li><textformat leftmargin='30'>Evaluate the relationship of cultural traditions and historical influences on financial practice.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145933|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.B.6</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand B. Money Management</li><li><textformat leftmargin='15'>Content: Money management is reliant on developing and maintaining personal budgets.</textformat></li><li><textformat leftmargin='30'>Construct a budget to save for long-term, short-term, and charitable goals.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145934|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.B.7</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand B. Money Management</li><li><textformat leftmargin='15'>Content: Money management is reliant on developing and maintaining personal budgets.</textformat></li><li><textformat leftmargin='30'>Develop a system for keeping and using financial records.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145935|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.B.8</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand B. Money Management</li><li><textformat leftmargin='15'>Content: Money management requires understanding of cash flow systems and business practices.</textformat></li><li><textformat leftmargin='30'>Explain the concept of cash flow and construct cash flow statements. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145936|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.B.9</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand B. Money Management</li><li><textformat leftmargin='15'>Content: Money management requires understanding of cash flow systems and business practices.</textformat></li><li><textformat leftmargin='30'>Create debit and credit balance sheets and income and cash statements.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145937|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.B.10</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand B. Money Management</li><li><textformat leftmargin='15'>Content: Money management requires understanding of cash flow systems and business practices.</textformat></li><li><textformat leftmargin='30'>Determine the most appropriate use of various financial products and services (e.g., ATM, debit cards, credit cards, checkbooks).</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145938|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.B.11</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand B. Money Management</li><li><textformat leftmargin='15'>Content: Money management requires understanding of cash flow systems and business practices.</textformat></li><li><textformat leftmargin='30'>Justify safeguarding personal information when using credit cards, banking electronically, or filing forms. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145939|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.B.12</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand B. Money Management</li><li><textformat leftmargin='15'>Content: Money management requires understanding of cash flow systems and business practices.</textformat></li><li><textformat leftmargin='30'>Evaluate the appropriate financial institutions to assist with meeting various personal financial needs and goals.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145940|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.B.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand B. Money Management</li><li><textformat leftmargin='15'>Content: Money management involves setting financial goals.</textformat></li><li><textformat leftmargin='30'>Prioritize financial decisions by systematically considering alternatives and possible consequences.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145941|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.B.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand B. Money Management</li><li><textformat leftmargin='15'>Content: Money management involves setting financial goals.</textformat></li><li><textformat leftmargin='30'>Compare strategies for saving and investing and the factors that influence how much should be saved or invested to meet financial goals. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145942|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.B.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand B. Money Management</li><li><textformat leftmargin='15'>Content: Money management involves setting financial goals.</textformat></li><li><textformat leftmargin='30'>Construct a plan to accumulate emergency "rainy day" funds.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145943|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.B.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand B. Money Management</li><li><textformat leftmargin='15'>Content: Money management is reliant on developing and maintaining personal budgets.</textformat></li><li><textformat leftmargin='30'>Analyze how income and spending plans are affected by age, needs, and resources.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145944|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.B.5</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand B. Money Management</li><li><textformat leftmargin='15'>Content: Money management is reliant on developing and maintaining personal budgets.</textformat></li><li><textformat leftmargin='30'>Analyze how changes in taxes, inflation, and personal circumstances can affect a personal budget. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145945|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.B.6</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand B. Money Management</li><li><textformat leftmargin='15'>Content: Money management is reliant on developing and maintaining personal budgets.</textformat></li><li><textformat leftmargin='30'>Design and utilize a simulated budget to monitor progress of financial plans.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145946|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.B.7</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand B. Money Management</li><li><textformat leftmargin='15'>Content: Money management requires understanding of cash flow systems and business practices.</textformat></li><li><textformat leftmargin='30'>Develop personal financial planning strategies that respond to and use tax deductions and shelters.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145947|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.B.8</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand B. Money Management</li><li><textformat leftmargin='15'>Content: Money management requires understanding of cash flow systems and business practices.</textformat></li><li><textformat leftmargin='30'>Describe and calculate interest and fees that are applied to various forms of spending, debt, and saving.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145948|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.B.9</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand B. Money Management</li><li><textformat leftmargin='15'>Content: Money management requires understanding of cash flow systems and business practices.</textformat></li><li><textformat leftmargin='30'>Chart and evaluate the growth of mid- and long-term investments.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145949|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.B.10</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand B. Money Management</li><li><textformat leftmargin='15'>Content: Money management requires understanding of cash flow systems and business practices.</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,145950|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.4.C.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 4</p><br><li>Strand C. Credit and Debt Management</li><li><textformat leftmargin='15'>Content: Credit management includes making informed choices about sources of credit and requires an understanding of the cost of credit.</textformat></li><li><textformat leftmargin='30'>Explain why people borrow money and the relationship between credit and debt.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145951|true|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.4.C.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 4</p><br><li>Strand C. Credit and Debt Management</li><li><textformat leftmargin='15'>Content: Credit management includes making informed choices about sources of credit and requires an understanding of the cost of credit.</textformat></li><li><textformat leftmargin='30'>Identify common sources of credit (e.g., banks, credit card companies) and types of credit (e.g., loans, credit cards, mortgages).</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145952|true|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.4.C.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 4</p><br><li>Strand C. Credit and Debt Management</li><li><textformat leftmargin='15'>Content: Credit management includes making informed choices about sources of credit and requires an understanding of the cost of credit.</textformat></li><li><textformat leftmargin='30'>Compare and contrast credit cards and debit cards and the advantages and disadvantages of using each.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145953|true|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.4.C.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 4</p><br><li>Strand C. Credit and Debt Management</li><li><textformat leftmargin='15'>Content: Credit management includes making informed choices about sources of credit and requires an understanding of the cost of credit.</textformat></li><li><textformat leftmargin='30'>Determine the relationships among income, expenses, and interest.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145954|true|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.4.C.5</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 4</p><br><li>Strand C. Credit and Debt Management</li><li><textformat leftmargin='15'>Content: Credit worthiness is dependent on making informed credit decisions and managing debt responsibly.</textformat></li><li><textformat leftmargin='30'>Determine personal responsibility related to borrowing and lending. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145955|true|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.4.C.6</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 4</p><br><li>Strand C. Credit and Debt Management</li><li><textformat leftmargin='15'>Content: Credit worthiness is dependent on making informed credit decisions and managing debt responsibly.</textformat></li><li><textformat leftmargin='30'>Summarize ways to avoid credit problems.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145956|true|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.C.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand C. Credit and Debt Management</li><li><textformat leftmargin='15'>Content: Credit management includes making informed choices about sources of credit and requires an understanding of the cost of credit.</textformat></li><li><textformat leftmargin='30'>Compare and contrast the financial products and services offered by different types of financial institutions.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145957|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.C.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand C. Credit and Debt Management</li><li><textformat leftmargin='15'>Content: Credit management includes making informed choices about sources of credit and requires an understanding of the cost of credit.</textformat></li><li><textformat leftmargin='30'>Compare and contrast debt and credit management strategies.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145958|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.C.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand C. Credit and Debt Management</li><li><textformat leftmargin='15'>Content: Credit management includes making informed choices about sources of credit and requires an understanding of the cost of credit.</textformat></li><li><textformat leftmargin='30'>Demonstrate an understanding of the terminology associated with different types of credit (e.g., credit cards, installment loans, mortgages) and compare the interest rates associated with each.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145959|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.C.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand C. Credit and Debt Management</li><li><textformat leftmargin='15'>Content: Credit management includes making informed choices about sources of credit and requires an understanding of the cost of credit.</textformat></li><li><textformat leftmargin='30'>Calculate the cost of borrowing various amounts of money using different types of credit (e.g., credit cards, installment loans, mortgages).</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145960|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.C.5</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand C. Credit and Debt Management</li><li><textformat leftmargin='15'>Content: Credit worthiness is dependent on making informed credit decisions and managing debt responsibly.</textformat></li><li><textformat leftmargin='30'>Determine ways to leverage debt beneficially.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145961|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.C.6</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand C. Credit and Debt Management</li><li><textformat leftmargin='15'>Content: Credit worthiness is dependent on making informed credit decisions and managing debt responsibly.</textformat></li><li><textformat leftmargin='30'>Determine potential consequences of using "easy access" credit (e.g., using a line of credit vs. obtaining a loan for a specific purpose).</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145962|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.C.7</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand C. Credit and Debt Management</li><li><textformat leftmargin='15'>Content: Credit worthiness is dependent on making informed credit decisions and managing debt responsibly.</textformat></li><li><textformat leftmargin='30'>Explain the meaning and possible consequences of "predatory lending practices."</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145963|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.C.8</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand C. Credit and Debt Management</li><li><textformat leftmargin='15'>Content: Credit worthiness is dependent on making informed credit decisions and managing debt responsibly.</textformat></li><li><textformat leftmargin='30'>Explain the purpose of a credit score and credit record, and summarize borrowers' credit report rights.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145964|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.C.9</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand C. Credit and Debt Management</li><li><textformat leftmargin='15'>Content: Credit worthiness is dependent on making informed credit decisions and managing debt responsibly.</textformat></li><li><textformat leftmargin='30'>Summarize the causes and consequences of personal bankruptcy.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145965|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.C.10</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand C. Credit and Debt Management</li><li><textformat leftmargin='15'>Content: Credit worthiness is dependent on making informed credit decisions and managing debt responsibly.</textformat></li><li><textformat leftmargin='30'>Determine when there is a need to seek credit counseling and appropriate times to utilize it. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145966|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.C.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand C. Credit and Debt Management</li><li><textformat leftmargin='15'>Content: Credit management includes making informed choices about sources of credit and requires an understanding of the cost of credit.</textformat></li><li><textformat leftmargin='30'>Compare and contrast the financial benefits of different products and services offered by a variety of financial institutions.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145967|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.C.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand C. Credit and Debt Management</li><li><textformat leftmargin='15'>Content: Credit management includes making informed choices about sources of credit and requires an understanding of the cost of credit.</textformat></li><li><textformat leftmargin='30'>Compare and compute interest and compound interest and develop an amortization table using business tools.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145968|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.C.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand C. Credit and Debt Management</li><li><textformat leftmargin='15'>Content: Credit management includes making informed choices about sources of credit and requires an understanding of the cost of credit.</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,145969|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.C.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand C. Credit and Debt Management</li><li><textformat leftmargin='15'>Content: Credit management includes making informed choices about sources of credit and requires an understanding of the cost of credit.</textformat></li><li><textformat leftmargin='30'>Compare and contrast the advantages and disadvantages of various types of mortgages. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145970|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.C.5</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand C. Credit and Debt Management</li><li><textformat leftmargin='15'>Content: Credit worthiness is dependent on making informed credit decisions and managing debt responsibly.</textformat></li><li><textformat leftmargin='30'>Analyze the information contained in a credit report and explain the importance of disputing inaccurate entries.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145971|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.C.6</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand C. Credit and Debt Management</li><li><textformat leftmargin='15'>Content: Credit worthiness is dependent on making informed credit decisions and managing debt responsibly.</textformat></li><li><textformat leftmargin='30'>Explain how predictive modeling determines "credit scores."</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145972|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.C.7</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand C. Credit and Debt Management</li><li><textformat leftmargin='15'>Content: Credit worthiness is dependent on making informed credit decisions and managing debt responsibly.</textformat></li><li><textformat leftmargin='30'>Explain the rights and responsibilities of buyers and sellers under consumer protection laws, and discuss common unfair or deceptive business practices.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145973|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.C.8</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand C. Credit and Debt Management</li><li><textformat leftmargin='15'>Content: Credit worthiness is dependent on making informed credit decisions and managing debt responsibly.</textformat></li><li><textformat leftmargin='30'>Evaluate the implications of personal and corporate bankruptcy for self and others. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145974|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.4.D.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 4</p><br><li>Strand D. Planning, Saving, and Investing</li><li><textformat leftmargin='15'>Content: Information about investment options assists with financial planning.</textformat></li><li><textformat leftmargin='30'>Determine various ways to save.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145975|true|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.4.D.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 4</p><br><li>Strand D. Planning, Saving, and Investing</li><li><textformat leftmargin='15'>Content: Appropriate application of basic economic principles leads to wiser decisions for individual, family, and business financial planning.</textformat></li><li><textformat leftmargin='30'>Explain the concept of "opportunity cost."</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145976|true|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.4.D.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 4</p><br><li>Strand D. Planning, Saving, and Investing</li><li><textformat leftmargin='15'>Content: Appropriate application of basic economic principles leads to wiser decisions for individual, family, and business financial planning.</textformat></li><li><textformat leftmargin='30'>Explain what it means to "invest."</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145977|true|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.4.D.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 4</p><br><li>Strand D. Planning, Saving, and Investing</li><li><textformat leftmargin='15'>Content: Appropriate application of basic economic principles leads to wiser decisions for individual, family, and business financial planning.</textformat></li><li><textformat leftmargin='30'>Distinguish between saving and investing. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145978|true|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.D.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand D. Planning, Saving, and Investing</li><li><textformat leftmargin='15'>Content: Information about investment options assists with financial planning.</textformat></li><li><textformat leftmargin='30'>Determine how saving contributes to financial well-being. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145979|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.D.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand D. Planning, Saving, and Investing</li><li><textformat leftmargin='15'>Content: Information about investment options assists with financial planning.</textformat></li><li><textformat leftmargin='30'>Differentiate among various savings tools and how to use them most effectively. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145980|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.D.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand D. Planning, Saving, and Investing</li><li><textformat leftmargin='15'>Content: Information about investment options assists with financial planning.</textformat></li><li><textformat leftmargin='30'>Differentiate among various investment options. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145981|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.D.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand D. Planning, Saving, and Investing</li><li><textformat leftmargin='15'>Content: Information about investment options assists with financial planning.</textformat></li><li><textformat leftmargin='30'>Distinguish between income and investment growth. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145982|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.D.5</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand D. Planning, Saving, and Investing</li><li><textformat leftmargin='15'>Content: Appropriate application of basic economic principles leads to wiser decisions for individual, family, and business financial planning.</textformat></li><li><textformat leftmargin='30'>Explain the economic principle of supply and demand.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145983|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.D.6</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand D. Planning, Saving, and Investing</li><li><textformat leftmargin='15'>Content: Appropriate application of basic economic principles leads to wiser decisions for individual, family, and business financial planning.</textformat></li><li><textformat leftmargin='30'>Relate saving and investing decisions to successful entrepreneurship.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145984|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.D.7</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand D. Planning, Saving, and Investing</li><li><textformat leftmargin='15'>Content: Appropriate application of basic economic principles leads to wiser decisions for individual, family, and business financial planning.</textformat></li><li><textformat leftmargin='30'>Calculate short- and long-term returns on various investments (e.g., stocks, bonds, mutual funds, IRAs, deferred pension plans, and so on). </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145985|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.D.8</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand D. Planning, Saving, and Investing</li><li><textformat leftmargin='15'>Content: Appropriate application of basic economic principles leads to wiser decisions for individual, family, and business financial planning.</textformat></li><li><textformat leftmargin='30'>Assess the impact of inflation on economic decisions and lifestyles. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145986|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.D.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand D. Planning, Saving, and Investing</li><li><textformat leftmargin='15'>Content: Information about investment options assists with financial planning.</textformat></li><li><textformat leftmargin='30'>Summarize how investing builds wealth and assists in meeting long- and short-term financial goals. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145987|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.D.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand D. Planning, Saving, and Investing</li><li><textformat leftmargin='15'>Content: Information about investment options assists with financial planning.</textformat></li><li><textformat leftmargin='30'>Assess factors that influence financial planning. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145988|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.D.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand D. Planning, Saving, and Investing</li><li><textformat leftmargin='15'>Content: Information about investment options assists with financial planning.</textformat></li><li><textformat leftmargin='30'>Justify the use of savings and investment options to meet targeted goals. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145989|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.D.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand D. Planning, Saving, and Investing</li><li><textformat leftmargin='15'>Content: Information about investment options assists with financial planning.</textformat></li><li><textformat leftmargin='30'>Analyze processes and vehicles for buying and selling investments. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145990|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.D.5</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand D. Planning, Saving, and Investing</li><li><textformat leftmargin='15'>Content: Information about investment options assists with financial planning.</textformat></li><li><textformat leftmargin='30'>Compare the risk, return, and liquidity of various savings and investment alternatives.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145991|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.D.6</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand D. Planning, Saving, and Investing</li><li><textformat leftmargin='15'>Content: Information about investment options assists with financial planning.</textformat></li><li><textformat leftmargin='30'>Explain how government and independent financial services and products are used to achieve personal financial goals. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145992|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.D.7</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand D. Planning, Saving, and Investing</li><li><textformat leftmargin='15'>Content: Appropriate application of basic economic principles leads to wiser decisions for individual, family, and business financial planning.</textformat></li><li><textformat leftmargin='30'>Relate savings and investment results to achievement of financial goals. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145993|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.D.8</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand D. Planning, Saving, and Investing</li><li><textformat leftmargin='15'>Content: Appropriate application of basic economic principles leads to wiser decisions for individual, family, and business financial planning.</textformat></li><li><textformat leftmargin='30'>Differentiate among various investment products and savings vehicles and how to use them most effectively. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145994|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.D.9</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand D. Planning, Saving, and Investing</li><li><textformat leftmargin='15'>Content: Appropriate application of basic economic principles leads to wiser decisions for individual, family, and business financial planning.</textformat></li><li><textformat leftmargin='30'>Assess the role of revenue-generating assets as mechanisms for accruing and managing wealth. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145995|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.D.10</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand D. Planning, Saving, and Investing</li><li><textformat leftmargin='15'>Content: Appropriate application of basic economic principles leads to wiser decisions for individual, family, and business financial planning.</textformat></li><li><textformat leftmargin='30'>Compare and contrast the past and present role of government in the financial industry and in the regulation of financial markets. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145996|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.D.11</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand D. Planning, Saving, and Investing</li><li><textformat leftmargin='15'>Content: Appropriate application of basic economic principles leads to wiser decisions for individual, family, and business financial planning.</textformat></li><li><textformat leftmargin='30'>Determine the impact of various market events on stock market prices and on other savings and investments. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145997|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.D.12</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand D. Planning, Saving, and Investing</li><li><textformat leftmargin='15'>Content: Appropriate application of basic economic principles leads to wiser decisions for individual, family, and business financial planning.</textformat></li><li><textformat leftmargin='30'>Evaluate how taxes affect the rate of return on savings and investments.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145998|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.D.13</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand D. Planning, Saving, and Investing</li><li><textformat leftmargin='15'>Content: Appropriate application of basic economic principles leads to wiser decisions for individual, family, and business financial planning.</textformat></li><li><textformat leftmargin='30'>Analyze how savings, retirement plans, and other investment options help to shift current income for purposes of tax reporting and filing. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,145999|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.4.E.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 4</p><br><li>Strand E. Becoming a Critical Consumer</li><li><textformat leftmargin='15'>Content: The ability to prioritize wants and needs assists in making informed investments, purchases, and decisions.</textformat></li><li><textformat leftmargin='30'>Determine factors that influence consumer decisions related to money. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146000|true|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.4.E.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 4</p><br><li>Strand E. Becoming a Critical Consumer</li><li><textformat leftmargin='15'>Content: Cost-benefit analysis informs responsible spending practices. </textformat></li><li><textformat leftmargin='30'>Identify ways interest rates add to the cost of goods and services.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146001|true|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.4.E.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 4</p><br><li>Strand E. Becoming a Critical Consumer</li><li><textformat leftmargin='15'>Content: Cost-benefit analysis informs responsible spending practices. </textformat></li><li><textformat leftmargin='30'>Evaluate financial information from a variety of sources. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146002|true|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.4.E.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 4</p><br><li>Strand E. Becoming a Critical Consumer</li><li><textformat leftmargin='15'>Content: Cost-benefit analysis informs responsible spending practices. </textformat></li><li><textformat leftmargin='30'>Apply comparison shopping skills to purchasing decisions. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146003|true|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.4.E.5</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 4</p><br><li>Strand E. Becoming a Critical Consumer</li><li><textformat leftmargin='15'>Content: Consumer protection includes providing information about the range of products and services and about consumer resources, rights, and responsibilities.</textformat></li><li><textformat leftmargin='30'>Explain what it means to be a responsible consumer and the factors to consider when making consumer decisions. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146004|true|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.4.E.7</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 4</p><br><li>Strand E. Becoming a Critical Consumer</li><li><textformat leftmargin='15'>Content: Consumer protection includes providing information about the range of products and services and about consumer resources, rights, and responsibilities.</textformat></li><li><textformat leftmargin='30'>Compare and contrast product facts versus advertising claims.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146006|true|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.E.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand E. Becoming a Critical Consumer</li><li><textformat leftmargin='15'>Content: The ability to prioritize wants and needs assists in making informed investments, purchases, and decisions.</textformat></li><li><textformat leftmargin='30'>Prioritize personal wants and needs when making purchases. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146007|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.E.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand E. Becoming a Critical Consumer</li><li><textformat leftmargin='15'>Content: Cost-benefit analysis informs responsible spending practices. </textformat></li><li><textformat leftmargin='30'>Analyze interest rates and fees associated with financial services, credit cards, debit cards, and gift cards.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146008|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.E.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand E. Becoming a Critical Consumer</li><li><textformat leftmargin='15'>Content: Cost-benefit analysis informs responsible spending practices. </textformat></li><li><textformat leftmargin='30'>Evaluate the appropriateness of different types of monetary transactions (e.g., electronic transfer, check, certified check, money order, gift card, barter) for various situations.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146009|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.E.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand E. Becoming a Critical Consumer</li><li><textformat leftmargin='15'>Content: Cost-benefit analysis informs responsible spending practices. </textformat></li><li><textformat leftmargin='30'>Compare the value of goods or services from different sellers when purchasing large quantities and small quantities.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146010|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.E.6</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand E. Becoming a Critical Consumer</li><li><textformat leftmargin='15'>Content: Consumer protection includes providing information about the range of products and services and about consumer resources, rights, and responsibilities.</textformat></li><li><textformat leftmargin='30'>Evaluate how fraudulent activities impact consumers, and justify the creation of consumer protection laws. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146012|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.E.7</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand E. Becoming a Critical Consumer</li><li><textformat leftmargin='15'>Content: Consumer protection includes providing information about the range of products and services and about consumer resources, rights, and responsibilities.</textformat></li><li><textformat leftmargin='30'>Recognize the techniques and effects of deceptive advertising. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146013|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.E.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand E. Becoming a Critical Consumer</li><li><textformat leftmargin='15'>Content: The ability to prioritize wants and needs assists in making informed investments, purchases, and decisions.</textformat></li><li><textformat leftmargin='30'>Analyze and apply multiple sources of financial information when prioritizing financial decisions. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146014|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.E.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand E. Becoming a Critical Consumer</li><li><textformat leftmargin='15'>Content: The ability to prioritize wants and needs assists in making informed investments, purchases, and decisions.</textformat></li><li><textformat leftmargin='30'>Determine how objective, accurate, and current financial information affects the prioritization of financial decisions.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146015|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.E.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand E. Becoming a Critical Consumer</li><li><textformat leftmargin='15'>Content: Cost-benefit analysis informs responsible spending practices.</textformat></li><li><textformat leftmargin='30'>Evaluate business practices and their impact on individuals, families, and societies. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146017|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.E.5</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand E. Becoming a Critical Consumer</li><li><textformat leftmargin='15'>Content: Cost-benefit analysis informs responsible spending practices.</textformat></li><li><textformat leftmargin='30'>Evaluate written and verbal contracts for essential components and for obligations of the lender and borrower.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146018|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.E.6</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand E. Becoming a Critical Consumer</li><li><textformat leftmargin='15'>Content: Consumer protection includes providing information about the range of products and services and about consumer resources, rights, and responsibilities.</textformat></li><li><textformat leftmargin='30'>Apply consumer protection laws to the issues they address. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146019|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.E.7</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand E. Becoming a Critical Consumer</li><li><textformat leftmargin='15'>Content: Consumer protection includes providing information about the range of products and services and about consumer resources, rights, and responsibilities.</textformat></li><li><textformat leftmargin='30'>Relate consumer fraud, including online scams and theft of employee time and goods, to laws that protect consumers.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146020|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.E.8</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand E. Becoming a Critical Consumer</li><li><textformat leftmargin='15'>Content: Consumer protection includes providing information about the range of products and services and about consumer resources, rights, and responsibilities.</textformat></li><li><textformat leftmargin='30'>Determine when credit counseling is necessary and evaluate the resources available to assist consumers who wish to use it.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146021|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.4.F.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 4</p><br><li>Strand F. Civic Financial Responsibility</li><li><textformat leftmargin='15'>Content: The potential for building and using personal wealth includes responsibility to the broader community and an understanding of the legal rights and responsibilities of being a good citizen.</textformat></li><li><textformat leftmargin='30'>Demonstrate an understanding of individual financial obligations and community financial obligations.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146023|true|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.4.F.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 4</p><br><li>Strand F. Civic Financial Responsibility</li><li><textformat leftmargin='15'>Content: The potential for building and using personal wealth includes responsibility to the broader community and an understanding of the legal rights and responsibilities of being a good citizen.</textformat></li><li><textformat leftmargin='30'>Relate a country's economic system of production and consumption to building personal wealth and achieving societal responsibilities.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146024|true|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.4.F.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 4</p><br><li>Strand F. Civic Financial Responsibility</li><li><textformat leftmargin='15'>Content: Philanthropic, charitable, and entrepreneurial organizations play distinctly different but vitally important roles in supporting the interests of local and global communities.</textformat></li><li><textformat leftmargin='30'>Identify skills related to organizing, managing, and taking on the risks of owning a business.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146026|true|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.F.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand F. Civic Financial Responsibility</li><li><textformat leftmargin='15'>Content: The potential for building and using personal wealth includes responsibility to the broader community and an understanding of the legal rights and responsibilities of being a good citizen.</textformat></li><li><textformat leftmargin='30'>Explain how the economic system of production and consumption may be a means to achieve significant societal goals.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146027|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.F.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand F. Civic Financial Responsibility</li><li><textformat leftmargin='15'>Content: The potential for building and using personal wealth includes responsibility to the broader community and an understanding of the legal rights and responsibilities of being a good citizen.</textformat></li><li><textformat leftmargin='30'>Examine the implications of legal and ethical behaviors when making financial decisions. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146028|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.F.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand F. Civic Financial Responsibility</li><li><textformat leftmargin='15'>Content: Philanthropic, charitable, and entrepreneurial organizations play distinctly different but vitally important roles in supporting the interests of local and global communities.</textformat></li><li><textformat leftmargin='30'>Calculate appropriate amounts of charitable giving based on current financial status.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146030|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.F.5</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand F. Civic Financial Responsibility</li><li><textformat leftmargin='15'>Content: Philanthropic, charitable, and entrepreneurial organizations play distinctly different but vitally important roles in supporting the interests of local and global communities.</textformat></li><li><textformat leftmargin='30'>Determine opportunities for micro-financing of global charities and causes.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146031|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.F.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand F. Civic Financial Responsibility</li><li><textformat leftmargin='15'>Content: The potential for building and using personal wealth includes responsibility to the broader community and an understanding of the legal rights and responsibilities of being a good citizen.</textformat></li><li><textformat leftmargin='30'>Demonstrate an understanding of the interrelationships among attitudes, assumptions, and patterns of behavior regarding money, saving, investing, and work across cultures.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146032|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.F.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand F. Civic Financial Responsibility</li><li><textformat leftmargin='15'>Content: The potential for building and using personal wealth includes responsibility to the broader community and an understanding of the legal rights and responsibilities of being a good citizen.</textformat></li><li><textformat leftmargin='30'>Summarize the concept and types of taxation used to fund public initiatives.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146033|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.F.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand F. Civic Financial Responsibility</li><li><textformat leftmargin='15'>Content: The potential for building and using personal wealth includes responsibility to the broader community and an understanding of the legal rights and responsibilities of being a good citizen.</textformat></li><li><textformat leftmargin='30'>Assess the impact of emerging global economic events on financial planning.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146034|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.F.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand F. Civic Financial Responsibility</li><li><textformat leftmargin='15'>Content: The potential for building and using personal wealth includes responsibility to the broader community and an understanding of the legal rights and responsibilities of being a good citizen.</textformat></li><li><textformat leftmargin='30'>Analyze how citizen decisions and actions can influence the use of economic resources to achieve societal goals and provide individual services.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146035|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.F.5</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand F. Civic Financial Responsibility</li><li><textformat leftmargin='15'>Content: The potential for building and using personal wealth includes responsibility to the broader community and an understanding of the legal rights and responsibilities of being a good citizen.</textformat></li><li><textformat leftmargin='30'>Summarize the purpose and importance of a will.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146036|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.F.7</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand F. Civic Financial Responsibility</li><li><textformat leftmargin='15'>Content: Philanthropic, charitable, and entrepreneurial organizations play distinctly different but vitally important roles in supporting the interests of local and global communities.</textformat></li><li><textformat leftmargin='30'>Explain the concept and forms of taxation and justify the use of taxation to fund public activities and initiatives.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146038|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.F.8</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand F. Civic Financial Responsibility</li><li><textformat leftmargin='15'>Content: Philanthropic, charitable, and entrepreneurial organizations play distinctly different but vitally important roles in supporting the interests of local and global communities.</textformat></li><li><textformat leftmargin='30'>Evaluate the effects of entrepreneurship on economic stability and quality of living in local and global communities.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146039|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.F.9</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand F. Civic Financial Responsibility</li><li><textformat leftmargin='15'>Content: Philanthropic, charitable, and entrepreneurial organizations play distinctly different but vitally important roles in supporting the interests of local and global communities.</textformat></li><li><textformat leftmargin='30'>Assess the impact of the global economy on entrepreneurial opportunities.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146040|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.4.G.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 4</p><br><li>Strand G. Risk Management and Insurance</li><li><textformat leftmargin='15'>Content: There are common financial risks and ways to manage risks.</textformat></li><li><textformat leftmargin='30'>Summarize common types of financial risks and basic risk management strategies. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146041|true|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.4.G.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 4</p><br><li>Strand G. Risk Management and Insurance</li><li><textformat leftmargin='15'>Content: Insurance is designed to protect the consumer against unintended losses.</textformat></li><li><textformat leftmargin='30'>Explain the importance of protection against financial loss and reasons for risk assessment.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146042|true|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.G.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand G. Risk Management and Insurance</li><li><textformat leftmargin='15'>Content: There are common financial risks and ways to manage risks.</textformat></li><li><textformat leftmargin='30'>Compare the impact of losses associated with different types of financial risk. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146044|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.G.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand G. Risk Management and Insurance</li><li><textformat leftmargin='15'>Content: There are common financial risks and ways to manage risks.</textformat></li><li><textformat leftmargin='30'>Explain why it is important to develop plans for protecting current and future personal assets against loss. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146045|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.G.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand G. Risk Management and Insurance</li><li><textformat leftmargin='15'>Content: Insurance is designed to protect the consumer against unintended losses.</textformat></li><li><textformat leftmargin='30'>Explain the purpose and importance of health, disability, life, and consumer insurance protection.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146046|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.G.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand G. Risk Management and Insurance</li><li><textformat leftmargin='15'>Content: Insurance is designed to protect the consumer against unintended losses.</textformat></li><li><textformat leftmargin='30'>Determine criteria for deciding the amount of insurance protection needed. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146047|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.G.5</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand G. Risk Management and Insurance</li><li><textformat leftmargin='15'>Content: Insurance is designed to protect the consumer against unintended losses.</textformat></li><li><textformat leftmargin='30'>Analyze the need for and value of different types of insurance and the impact of deductibles.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146048|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.8.G.6</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 8</p><br><li>Strand G. Risk Management and Insurance</li><li><textformat leftmargin='15'>Content: Insurance is designed to protect the consumer against unintended losses.</textformat></li><li><textformat leftmargin='30'>Evaluate the need for different types of extended warranties.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146049|false|true|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.G.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand G. Risk Management and Insurance</li><li><textformat leftmargin='15'>Content: There are common financial risks and ways to manage risks.</textformat></li><li><textformat leftmargin='30'>Analyze risks and benefits in various financial situations. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146050|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.G.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand G. Risk Management and Insurance</li><li><textformat leftmargin='15'>Content: Insurance is designed to protect the consumer against unintended losses.</textformat></li><li><textformat leftmargin='30'>Differentiate between property and liability insurance protection.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146051|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.G.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand G. Risk Management and Insurance</li><li><textformat leftmargin='15'>Content: Insurance is designed to protect the consumer against unintended losses.</textformat></li><li><textformat leftmargin='30'>Compare the cost of various types of insurance (e.g., life, homeowners, motor vehicle) for the same product or service, given different liability limits and risk factors.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146052|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.G.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand G. Risk Management and Insurance</li><li><textformat leftmargin='15'>Content: Insurance is designed to protect the consumer against unintended losses.</textformat></li><li><textformat leftmargin='30'>Evaluate individual and family needs for insurance protection using opportunity-cost analysis.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146053|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.G.5</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand G. Risk Management and Insurance</li><li><textformat leftmargin='15'>Content: Insurance is designed to protect the consumer against unintended losses.</textformat></li><li><textformat leftmargin='30'>Compare insurance policy coverage limits and related premiums and deductibles to minimize costs.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146054|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.G.6</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand G. Risk Management and Insurance</li><li><textformat leftmargin='15'>Content: Insurance is designed to protect the consumer against unintended losses.</textformat></li><li><textformat leftmargin='30'>Differentiate the costs and benefits of renter's and homeowne's insurance.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146055|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.G.7</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand G. Risk Management and Insurance</li><li><textformat leftmargin='15'>Content: Insurance is designed to protect the consumer against unintended losses.</textformat></li><li><textformat leftmargin='30'>Compare sources of health and disability coverage, including employee benefit plans, with options in another country.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146056|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.G.8</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand G. Risk Management and Insurance</li><li><textformat leftmargin='15'>Content: Insurance is designed to protect the consumer against unintended losses.</textformat></li><li><textformat leftmargin='30'>Compare and contrast options for long-term healthcare insurance for home care and external care.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146057|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.G.9</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand G. Risk Management and Insurance</li><li><textformat leftmargin='15'>Content: Insurance is designed to protect the consumer against unintended losses.</textformat></li><li><textformat leftmargin='30'>Explain how to self-insure and how to determine when self-insurance is appropriate.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146058|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 9.2.12.G.10</p><p>----------------------------------------------------------------</p><p class='contentarea'>By the end of grade 12</p><br><li>Strand G. Risk Management and Insurance</li><li><textformat leftmargin='15'>Content: Insurance is designed to protect the consumer against unintended losses.</textformat></li><li><textformat leftmargin='30'>Determine when and why it may be appropriate for the government to provide insurance coverage, rather than private industry.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146059|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br></font>]]>
</content>
<correlations>
<standard id='145897'>62325,68199,68095,68198,68197,68164,68277,20922,20923,61985,67117,62326,20931,20929,20915,67934,20924,68178,62630,68283,745,742,373,207,226,212,368,171,642,318,</standard>
<standard id='145898'>68199,68198,62325,68197,20923,68277,20922,68164,61985,20915,20931,67117,20929,67934,68095,20924,62326,68281,68178,68283,745,363,364,171,642,226,318,539,393,556,</standard>
<standard id='145899'>68203,62318,68170,67925,68278,62630,67113,68206,61985,68177,68210,67936,68212,68211,68197,62348,61969,68165,68166,68094,584,461,483,361,414,910,465,556,318,370,</standard>
<standard id='145900'>68166,68178,67915,67873,67872,67944,67930,67940,62322,60314,67945,68212,68206,62359,61970,62360,68177,62318,68171,68172,370,375,584,356,281,647,198,372,841,410,</standard>
<standard id='145901'>62325,20811,20806,68142,68237,20807,20808,20810,60315,20803,20799,20800,20802,60333,20835,68164,60214,61985,20923,68236,719,203,702,745,153,676,692,231,230,469,</standard>
<standard id='145902'>62325,20811,20806,68142,68237,20807,20808,20810,60315,20803,20799,20800,20802,60333,20835,68164,60214,61985,20923,68236,719,203,702,745,153,676,692,231,230,469,</standard>
<standard id='145903'>60335,60333,60338,20806,20799,62325,20810,20798,60315,68236,68237,20767,20811,20803,68142,68277,60214,20766,20835,20808,719,702,745,203,773,490,392,153,337,725,</standard>
<standard id='145904'>62325,20811,20806,68142,68237,20807,20808,20810,60315,20803,20799,20800,20802,60333,20835,68164,60214,61985,20923,68236,719,203,702,745,153,676,692,231,230,469,</standard>
<standard id='145905'>61985,62630,60214,62318,68178,20803,20802,68165,68094,62348,61969,20800,68164,15854,68237,67922,67917,67916,68236,68232,702,910,469,540,229,490,343,470,581,403,</standard>
<standard id='145906'>62325,67938,68283,68141,67936,15849,68282,68095,68243,62636,68246,60315,20922,20810,20807,20808,20806,20811,20923,60333,373,515,474,742,230,776,395,859,719,745,</standard>
<standard id='145907'>67925,67113,62630,61985,67936,68170,68278,68238,68235,68177,60214,62318,68141,67878,68178,20803,20802,68094,15854,68239,414,361,469,483,702,792,346,910,584,157,</standard>
<standard id='145908'>15857,68166,60316,67113,67925,67878,67116,62644,62348,60215,60214,61969,61984,67936,61985,62630,68141,68235,68178,68238,702,370,355,746,375,556,414,157,361,483,</standard>
<standard id='145909'>67925,67113,62630,61985,67936,68170,68278,68238,68235,68177,60214,62318,68141,67878,68178,20803,20802,68094,15854,68239,414,361,469,483,702,792,346,910,584,157,</standard>
<standard id='145910'>56530,56529,17809,68142,15429,15952,15951,68290,15964,60315,67736,56531,68292,60214,60259,20863,67764,17813,62480,62584,719,650,994,203,154,1011,94,602,692,676,</standard>
<standard id='145911'>15429,56529,56530,60259,67736,15951,17813,60315,20856,17809,68142,56531,62515,62584,15952,60214,67764,20863,68290,68292,719,203,650,1011,994,154,602,94,676,668,</standard>
<standard id='145912'>68108,68044,15961,68105,60232,67756,67757,62611,62584,68291,68027,62612,62601,17813,62591,62599,68139,62605,62613,62588,1003,990,113,994,1011,1006,995,997,186,725,</standard>
<standard id='145913'>67738,68291,20862,67750,62138,56530,68139,67669,17813,67668,60228,62591,62612,62584,67735,62588,62514,62605,62137,62599,543,264,533,668,772,773,764,676,692,727,</standard>
<standard id='145914'>62515,65604,60315,67752,15429,20862,62146,68142,20859,15952,67750,63120,20856,20857,20821,62510,63115,67764,15964,62483,719,298,725,154,692,676,668,727,321,283,</standard>
<standard id='145915'>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='145916'>56531,15432,67742,67754,15959,56534,62173,67753,67756,17828,62263,67735,62479,56533,62477,17812,56530,60214,67647,15435,798,34,175,133,629,395,776,698,558,156,</standard>
<standard id='145917'>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='145918'>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='145919'>68031,62615,68111,67757,68041,68030,68027,15954,20827,15955,68033,17820,17818,68040,17823,68037,68035,68036,67755,15953,459,727,189,719,319,529,759,185,748,773,</standard>
<standard id='145920'>68031,20827,68027,68030,67755,15955,67735,15953,68041,68033,17820,17818,68040,17823,68037,68035,68036,68293,15954,60316,459,719,727,748,759,522,189,185,694,628,</standard>
<standard id='145921'>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='145922'>68278,67925,68203,68206,68177,67116,68094,20980,68169,68167,20981,68205,68204,68273,62316,62318,68212,20965,68174,68207,461,584,414,361,465,455,375,453,177,362,</standard>
<standard id='145923'>68203,62318,68170,67925,68278,62630,67113,68206,61985,68177,68210,67936,68212,68211,68197,62348,61969,68165,68166,68094,584,461,483,361,414,910,465,556,318,370,</standard>
<standard id='145924'>68203,62318,68170,67925,68278,62630,67113,68206,61985,68177,68210,67936,68212,68211,68197,62348,61969,68165,68166,68094,584,461,483,361,414,910,465,556,318,370,</standard>
<standard id='145925'>68203,62318,68170,67925,68278,62630,67113,68206,61985,68177,68210,67936,68212,68211,68197,62348,61969,68165,68166,68094,584,461,483,361,414,910,465,556,318,370,</standard>
<standard id='145926'>68278,68277,62352,68097,20965,68095,67942,68094,68167,68168,68176,20958,20959,67938,68177,67929,62214,62208,67878,62326,364,539,361,368,591,358,393,461,455,414,</standard>
<standard id='145927'>68210,68171,68172,68203,61984,67936,68212,68168,68094,67878,68177,68199,68167,68201,68275,68202,68175,67879,20988,20991,910,361,455,66,556,460,475,578,315,169,</standard>
<standard id='145928'>61984,20959,20958,68202,68201,20955,20934,20938,20940,20942,20954,20939,20963,68094,67915,67916,67929,67878,68200,67123,918,377,585,361,455,358,381,318,66,745,</standard>
<standard id='145929'>68278,68177,61984,67878,68239,68094,68178,60212,60215,60214,68277,62352,67113,67925,62630,61985,60226,60224,67929,60234,483,361,702,414,346,910,157,455,364,539,</standard>
<standard id='145930'>68278,68177,61984,67878,68239,68094,68178,60212,60215,60214,68277,62352,67113,67925,62630,61985,60226,60224,67929,60234,483,361,702,414,346,910,157,455,364,539,</standard>
<standard id='145931'>61983,68243,68242,60223,68246,68176,68167,68168,68244,61984,60222,68095,62645,68097,60217,20965,67123,20959,60225,62326,37,515,455,585,591,346,66,702,789,157,</standard>
<standard id='145932'>67936,68141,62630,67113,62348,61985,60214,67925,68282,68235,68238,68177,68170,20800,68278,62318,60232,68171,68165,68166,361,702,584,414,469,483,792,346,910,859,</standard>
<standard id='145933'>68177,61984,68094,60223,68243,60217,68178,60215,60212,68239,68278,67878,68167,68244,61983,68171,68168,68246,68241,68176,455,157,346,361,414,910,483,702,515,37,</standard>
<standard id='145934'>67925,67113,62630,61985,67936,68170,68278,68238,68235,68177,60214,62318,68141,67878,68178,20803,20802,68094,15854,68239,414,361,469,483,702,792,346,910,584,157,</standard>
<standard id='145935'>67925,67113,62630,61985,67936,68170,68278,68238,68235,68177,60214,62318,68141,67878,68178,20803,20802,68094,15854,68239,414,361,469,483,702,792,346,910,584,157,</standard>
<standard id='145936'>67925,67113,62630,61985,67936,68170,68278,68238,68235,68177,60214,62318,68141,67878,68178,20803,20802,68094,15854,68239,414,361,469,483,702,792,346,910,584,157,</standard>
<standard id='145937'>67925,67113,62630,61985,67936,68170,68278,68238,68235,68177,60214,62318,68141,67878,68178,20803,20802,68094,15854,68239,414,361,469,483,702,792,346,910,584,157,</standard>
<standard id='145938'>68171,61984,68239,68172,68094,67878,68175,68167,68168,68244,68242,68246,68177,68176,61983,60214,61985,60226,68278,60234,455,702,910,346,45,157,37,515,483,584,</standard>
<standard id='145939'>68171,61984,68239,68172,68094,67878,68175,68167,68168,68244,68242,68246,68177,68176,61983,60214,61985,60226,68278,60234,455,702,910,346,45,157,37,515,483,584,</standard>
<standard id='145940'>68094,20959,68242,60228,20958,61984,60232,60223,68245,20934,62645,20938,20942,20963,20954,20940,20939,20955,20801,60227,476,455,358,377,745,515,585,702,542,381,</standard>
<standard id='145941'>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='145942'>60223,68297,60217,17813,68287,67738,60218,62512,60215,68306,60234,60227,68305,17812,60213,68104,68295,62454,68307,60212,36,388,346,121,305,707,691,553,558,570,</standard>
<standard id='145943'>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='145944'>56529,56530,60214,17813,15952,67858,68141,68142,65743,17811,68287,15953,56531,67736,15429,17809,60212,17812,62224,68294,650,94,305,707,17,306,346,113,312,130,</standard>
<standard id='145945'>17810,17812,60212,17813,60215,68141,68307,68305,68295,68287,15962,62446,63120,68297,63118,68300,15432,60223,68107,62144,36,388,305,121,353,346,348,175,691,275,</standard>
<standard id='145946'>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='145947'>60215,68111,60222,68110,60223,60228,60254,60253,15960,60224,67857,68295,68294,68293,67757,60316,15953,67667,60261,67669,748,65,691,306,319,355,542,582,632,33,</standard>
<standard id='145948'>68297,20829,17810,68300,62144,17812,60223,60212,68295,68305,68287,65690,62273,62451,60226,62516,60222,62450,15962,60254,36,388,84,175,603,847,37,570,346,121,</standard>
<standard id='145949'>60217,60223,68297,60213,68104,60218,60234,68307,60227,62454,62144,67738,68306,62512,17810,68300,20829,63120,60254,60224,553,847,603,388,698,175,37,36,84,570,</standard>
<standard id='145950'>68295,56533,56534,60215,60212,56530,68287,17812,60214,17813,56529,68305,67756,65743,67858,17811,15960,62584,65723,65690,691,36,707,346,305,271,388,558,121,45,</standard>
<standard id='145951'>68171,68176,68167,68175,68210,61983,61984,68168,68172,67123,68208,20959,68095,68094,68097,20965,20958,68209,20957,67878,455,585,591,66,377,481,910,296,294,295,</standard>
<standard id='145952'>68171,68176,68167,68175,68210,61983,61984,68168,68172,67123,68208,20959,68095,68094,68097,20965,20958,68209,20957,67878,455,585,591,66,377,481,910,296,294,295,</standard>
<standard id='145953'>68171,68176,68167,68175,68210,61983,61984,68168,68172,67123,68208,20959,68095,68094,68097,20965,20958,68209,20957,67878,455,585,591,66,377,481,910,296,294,295,</standard>
<standard id='145954'>68203,62318,68170,67925,68278,62630,67113,68206,61985,68177,68210,67936,68212,68211,68197,62348,61969,68165,68166,68094,584,461,483,361,414,910,465,556,318,370,</standard>
<standard id='145955'>68094,68167,68168,68176,68171,68210,61983,61984,68175,68172,68208,67123,20959,68097,68095,20965,68209,20958,20957,67878,481,455,377,591,66,585,910,476,294,289,</standard>
<standard id='145956'>68210,61984,68171,68212,68172,68094,67878,68177,68175,68168,68167,68176,61983,68203,20965,62630,68208,67936,67925,62326,455,910,414,461,483,361,584,465,556,591,</standard>
<standard id='145957'>20959,20958,61984,68242,68094,62645,60232,67934,60228,67929,60224,67932,67878,60215,60223,67935,62326,68177,60222,68245,455,515,381,157,358,377,66,918,585,702,</standard>
<standard id='145958'>68171,61984,68239,68172,68094,67878,68175,68167,68168,68244,68242,68246,68177,68176,61983,60214,61985,60226,68278,60234,455,702,910,346,45,157,37,515,483,584,</standard>
<standard id='145959'>61983,68242,68168,61984,68176,68167,68171,68175,68246,68244,20965,60226,60225,67878,62640,20959,60234,68172,67123,15851,455,37,515,377,702,346,591,585,66,481,</standard>
<standard id='145960'>61983,68242,68168,61984,68176,68167,68171,68175,68246,68244,20965,60226,60225,67878,62640,20959,60234,68172,67123,15851,455,37,515,377,702,346,591,585,66,481,</standard>
<standard id='145961'>60223,60217,68243,60227,68245,60218,60213,60234,68242,61983,67942,68096,61982,62645,68097,60233,68095,68239,67117,60216,476,771,64,253,634,645,505,501,345,647,</standard>
<standard id='145962'>68094,60234,68176,68175,68242,68244,68171,68243,68167,60217,60223,61983,68246,68168,61984,62326,60226,60222,60218,67878,481,37,455,515,553,66,702,476,585,346,</standard>
<standard id='145963'>68171,61984,68172,67878,68239,68094,68246,68175,68168,68244,61983,68176,68167,68242,68177,20957,68095,60226,15851,62640,455,702,346,45,157,910,37,515,585,789,</standard>
<standard id='145964'>68171,61984,68239,68172,68094,67878,68175,68167,68168,68244,68242,68246,68177,68176,61983,60214,61985,60226,68278,60234,455,702,910,346,45,157,37,515,483,584,</standard>
<standard id='145965'>67925,67113,62630,61985,67936,68170,68278,68238,68235,68177,60214,62318,68141,67878,68178,20803,20802,68094,15854,68239,414,361,469,483,702,792,346,910,584,157,</standard>
<standard id='145966'>67925,67113,62630,61985,67936,68170,68278,68238,68235,68177,60214,62318,61984,68094,68172,68171,67878,68239,67116,68164,702,910,346,792,414,483,469,584,361,45,</standard>
<standard id='145967'>68295,60223,68297,15960,68110,56533,56534,60215,60217,67738,68287,17813,60232,67756,65690,65723,62584,63120,60227,60234,691,36,84,348,367,700,698,543,533,388,</standard>
<standard id='145968'>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='145969'>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='145970'>60223,62144,65690,60222,68104,60254,68308,20829,60217,17810,20828,68297,68300,20825,68110,62584,60253,15960,60228,65723,36,84,603,570,175,388,847,37,698,990,</standard>
<standard id='145971'>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='145972'>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='145973'>68306,17810,68297,62144,68300,20829,62473,67856,62507,56534,62452,56532,68058,56533,60234,68110,68111,60254,15962,68104,26,847,188,162,346,175,570,36,37,388,</standard>
<standard id='145974'>67858,60214,17811,65743,56529,56530,68305,68302,68295,17812,60226,60215,60234,60212,17813,62224,68287,68293,68294,68141,346,121,36,306,388,45,162,707,113,650,</standard>
<standard id='145975'>68278,68277,62352,68097,20965,68095,67942,68094,68167,68168,68176,20958,20959,67938,68177,67929,62214,62208,67878,62326,364,539,361,368,591,358,393,461,455,414,</standard>
<standard id='145976'>68203,68202,68201,68200,68204,68206,68209,62346,67114,67916,68205,20918,68167,20915,68170,67914,67915,67929,67938,68278,517,178,396,392,365,489,414,267,364,252,</standard>
<standard id='145977'>68278,68277,62352,68097,20965,68095,67942,68094,68167,68168,68176,20958,20959,67938,68177,67929,62214,62208,67878,62326,364,539,361,368,591,358,393,461,455,414,</standard>
<standard id='145978'>68278,68277,62352,68097,20965,68095,67942,68094,68167,68168,68176,20958,20959,67938,68177,67929,62214,62208,67878,62326,364,539,361,368,591,358,393,461,455,414,</standard>
<standard id='145979'>68277,60213,68278,62352,67932,67934,67935,67938,68177,67929,61982,61983,61984,67942,62208,62643,68167,68168,68176,62214,725,153,773,539,719,364,377,585,346,483,</standard>
<standard id='145980'>68243,60223,60217,60218,68094,60227,60213,60234,68245,68246,68244,68242,68176,68177,68167,68168,68241,61983,61984,67932,553,455,37,515,727,702,153,725,719,346,</standard>
<standard id='145981'>68243,60223,60217,60218,68094,60227,60213,60234,68245,68246,68244,68242,68176,68177,68167,68168,68241,61983,61984,67932,553,455,37,515,727,702,153,725,719,346,</standard>
<standard id='145982'>60223,68243,68242,60217,68244,68246,61983,68176,68168,68167,61984,68094,68177,68241,68097,20958,68095,20959,60213,60234,37,515,455,585,157,702,346,789,553,66,</standard>
<standard id='145983'>67915,60232,67931,62358,60229,67936,68280,68279,62326,62323,15855,68242,20925,15856,68096,68173,67880,65763,67120,62350,394,553,664,961,328,259,276,747,357,762,</standard>
<standard id='145984'>68243,60223,60217,68094,68244,68246,68167,68168,68177,68176,68242,68241,61983,61984,68245,60227,60234,60218,67942,60213,455,37,515,155,719,727,725,553,773,910,</standard>
<standard id='145985'>60223,68243,68242,60217,68244,68246,61983,68176,68168,68167,61984,68094,68177,68241,68097,20958,68095,20959,60213,60234,37,515,455,585,157,702,346,789,553,66,</standard>
<standard id='145986'>68282,68246,67938,68141,67936,15849,68283,68243,62636,68171,68168,62325,67124,68175,68176,67879,20834,68167,61983,60232,515,373,776,395,230,474,742,859,120,629,</standard>
<standard id='145987'>60223,68297,68300,60217,17810,20829,62144,68104,68306,63120,62450,62454,62451,60222,68287,60213,17812,62273,60212,60225,175,84,570,388,847,36,603,37,698,547,</standard>
<standard id='145988'>60223,68297,68300,60217,17810,20829,62144,68104,68306,63120,62450,62454,62451,60222,68287,60213,17812,62273,60212,60225,175,84,570,388,847,36,603,37,698,547,</standard>
<standard id='145989'>60223,68297,68300,60217,17810,20829,62144,68104,68306,63120,62450,62454,62451,60222,68287,60213,17812,62273,60212,60225,175,84,570,388,847,36,603,37,698,547,</standard>
<standard id='145990'>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='145991'>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='145992'>60223,60217,62144,68297,60213,60218,60227,68104,62454,60234,68307,63120,17810,68300,20829,60215,60219,60222,60220,15960,847,603,388,698,175,37,36,84,570,333,</standard>
<standard id='145993'>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='145994'>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='145995'>68297,60217,60223,63120,68300,62144,17810,20829,62454,60227,60213,60218,62512,60234,68104,68306,68307,67738,17812,68295,36,388,84,603,570,847,175,698,37,553,</standard>
<standard id='145996'>68111,68041,60261,68110,67670,67667,67669,60223,60224,15960,60228,67857,60215,60222,60253,60254,17823,60316,68037,17820,542,632,748,628,582,33,694,355,459,529,</standard>
<standard id='145997'>60223,60217,62144,60227,62454,60218,60213,60234,68104,68307,68297,65723,60221,17830,60216,15960,60215,68308,60224,60220,333,292,335,334,847,36,37,175,570,603,</standard>
<standard id='145998'>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='145999'>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='146000'>68202,68201,68205,20991,68199,20990,68203,68171,68167,68169,68200,68207,68204,68210,68174,67917,68172,20941,68094,68274,361,453,209,169,699,276,461,509,383,357,</standard>
<standard id='146001'>62326,68094,68173,68205,62358,67916,67915,67880,67917,62321,68280,20943,67944,68279,67938,68210,67931,67936,20955,67923,357,634,382,276,369,461,509,559,530,387,</standard>
<standard id='146002'>68094,68203,67925,68210,20965,62326,68177,68212,68167,68278,68209,68206,61984,68197,67937,68207,61985,62630,68205,67114,461,414,455,361,584,910,364,362,453,470,</standard>
<standard id='146003'>68200,68206,68209,68201,68202,68204,68203,68205,68167,67915,67916,67914,67114,62346,20915,67928,20941,20943,68273,20979,489,396,365,392,517,178,911,267,364,39,</standard>
<standard id='146004'>68200,68206,68209,68201,68202,68204,68203,68205,68167,67915,67916,67914,67114,62346,20915,67928,20941,20943,68273,20979,489,396,365,392,517,178,911,267,364,39,</standard>
<standard id='146006'>68202,68169,68167,68204,68207,68205,68200,68201,68174,67917,20941,20929,20990,68094,20991,68206,68199,67916,67915,62346,453,209,461,276,509,357,383,285,470,392,</standard>
<standard id='146007'>67915,67916,68169,60226,68167,68177,20801,67914,68176,68238,68174,20917,60334,20916,20915,62346,20838,20810,60224,67114,346,581,365,773,453,390,470,517,396,392,</standard>
<standard id='146008'>68171,61984,68239,68172,68094,67878,68175,68167,68168,68244,68242,68246,68177,68176,61983,60214,61985,60226,68278,60234,455,702,910,346,45,157,37,515,483,584,</standard>
<standard id='146009'>67925,67113,62630,61985,67936,68170,68278,68238,68235,68177,60214,62318,68141,67878,68178,20803,20802,68094,15854,68239,414,361,469,483,702,792,346,910,584,157,</standard>
<standard id='146010'>68167,68094,67914,68174,67916,67915,20954,68272,20941,67935,20943,62321,20955,67933,68173,67938,20834,67917,62318,20929,209,276,403,453,365,489,517,792,396,346,</standard>
<standard id='146012'>61970,62643,68248,67915,67917,67940,67944,67872,60316,60318,60314,67930,67873,62322,67945,68166,15857,68240,60230,20934,394,370,355,522,542,356,746,727,69,372,</standard>
<standard id='146013'>67915,67916,68169,60226,68167,68177,20801,67914,68176,68238,68174,20917,60334,20916,20915,62346,20838,20810,60224,67114,346,581,365,773,453,390,470,517,396,392,</standard>
<standard id='146014'>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='146015'>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='146017'>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='146018'>60226,17812,60225,17810,62450,17818,56534,56532,17795,56533,56531,67670,67668,15424,67669,67667,60224,17798,20859,68289,346,162,121,158,388,326,188,847,175,45,</standard>
<standard id='146019'>68037,68036,67733,68041,17818,68040,68035,67755,68033,67669,67670,20827,60316,60318,67667,67735,68030,60258,68027,68031,43,759,694,522,355,306,542,632,663,189,</standard>
<standard id='146020'>68037,68036,67733,68041,17818,68040,68035,67755,68033,67669,67670,20827,60316,60318,67667,67735,68030,60258,68027,68031,43,759,694,355,522,306,542,632,663,189,</standard>
<standard id='146021'>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='146023'>68166,68178,67915,67930,67945,67944,67940,68206,68212,67872,67873,62322,60314,68211,62630,67936,68203,68170,61985,68177,370,375,584,356,454,372,647,410,198,841,</standard>
<standard id='146024'>62347,62326,61971,68204,68205,67917,68198,62346,68208,68201,68200,62324,68199,68175,68165,61983,67915,67916,68167,68168,176,256,356,361,169,318,212,470,285,209,</standard>
<standard id='146026'>68270,20929,62326,62327,67942,20955,68198,67875,68165,68094,67941,67118,62628,67925,20924,67929,67930,67892,67928,67891,363,155,389,167,229,476,501,62,330,910,</standard>
<standard id='146027'>68143,20833,62347,20767,20766,62326,60335,61971,60338,60333,20836,60226,67917,20839,65769,20835,62346,60332,20837,20843,176,256,322,702,719,789,552,259,356,686,</standard>
<standard id='146028'>67925,67113,62630,61985,67936,68170,68278,68238,68235,68177,60214,62318,68141,67878,68178,20803,20802,68094,15854,68239,414,361,469,483,702,792,346,910,584,157,</standard>
<standard id='146030'>67925,67113,62630,61985,67936,68170,68278,68238,68235,68177,60214,62318,68141,67878,68178,20803,20802,68094,15854,68239,414,361,469,483,702,792,346,910,584,157,</standard>
<standard id='146031'>60215,60222,60223,67942,60228,68242,60224,68245,68239,68177,67915,61984,67878,68280,60316,60221,62645,62644,60227,60234,702,918,345,469,647,325,910,385,361,414,</standard>
<standard id='146032'>17812,60215,60214,67756,68287,67647,62479,17813,60212,67754,67742,56531,15432,56530,56533,68305,68295,56534,56529,60254,691,698,707,175,558,36,776,121,133,84,</standard>
<standard id='146033'>68031,68111,67757,62615,68036,15953,15954,68027,68293,15955,67735,67755,20827,68030,68033,67733,17820,68035,67734,68040,459,727,189,719,319,529,759,185,748,773,</standard>
<standard id='146034'>60261,67642,17837,67736,67644,60254,67749,60213,60233,65741,60215,68032,60219,62515,15952,65601,62507,65685,65604,67729,719,154,602,479,505,371,333,131,253,292,</standard>
<standard id='146035'>67736,17809,68143,15945,17795,17818,67668,15423,62515,62507,15952,67729,65719,62147,63120,60317,63115,62138,17797,67727,795,707,94,581,535,288,113,651,606,127,</standard>
<standard id='146036'>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='146038'>68031,62615,67757,68111,15954,67733,15953,67735,15955,67734,17823,68027,20827,68030,67755,67670,68033,68293,68035,62483,459,727,189,719,319,529,759,185,748,773,</standard>
<standard id='146039'>56530,20862,67669,67668,62131,67735,67738,17813,68027,67750,67747,62132,62137,62591,62599,62588,62584,62514,62601,62605,727,186,725,719,773,772,692,533,543,113,</standard>
<standard id='146040'>60261,67747,67669,67642,17837,56530,67738,67736,67644,67668,65604,65601,20862,65685,68139,62137,62131,62138,67729,17813,719,725,676,773,130,283,692,668,186,533,</standard>
<standard id='146041'>68094,67942,67941,68165,68169,68198,68178,67925,67917,62326,62628,62353,67118,67874,67915,67875,20931,67936,20929,20930,476,481,363,330,167,475,501,276,910,387,</standard>
<standard id='146042'>68094,68210,68168,68167,61984,68177,68176,61983,68178,67942,62326,20965,67878,68200,20958,68201,68095,62208,67929,20991,476,455,910,155,481,393,358,361,585,591,</standard>
<standard id='146044'>68243,60227,68094,68245,60234,60218,60223,20801,60217,60213,68178,68236,67875,67942,20842,68169,68139,20930,67925,67917,476,481,553,725,155,187,727,668,354,387,</standard>
<standard id='146045'>68243,60223,60217,68245,60227,60213,60218,60234,20801,68094,67942,61983,68242,68096,61982,67117,68097,60228,60220,60221,476,481,553,501,469,647,64,371,634,345,</standard>
<standard id='146046'>67942,65766,65765,65764,65767,65768,67113,65769,65763,67114,65762,65756,65755,62647,62646,65757,65758,65761,65760,65759,745,354,349,337,345,346,347,350,384,389,</standard>
<standard id='146047'>67942,65766,65765,65764,65767,65768,67113,65769,65763,67114,65762,65756,65755,62647,62646,65757,65758,65761,65760,65759,745,354,349,337,345,346,347,350,384,389,</standard>
<standard id='146048'>67942,65766,65765,65764,65767,65768,67113,65769,65763,67114,65762,65756,65755,62647,62646,65757,65758,65761,65760,65759,745,354,349,337,345,346,347,350,384,389,</standard>
<standard id='146049'>67942,65766,65765,65764,65767,65768,67113,65769,65763,67114,65762,65756,65755,62647,62646,65757,65758,65761,65760,65759,745,354,349,337,345,346,347,350,384,389,</standard>
<standard id='146050'>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='146051'>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='146052'>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='146053'>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='146054'>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='146055'>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='146056'>68296,65740,68110,67738,65742,65741,65743,68104,60227,60218,60223,68291,60213,60234,62142,68307,62454,68306,62512,68106,354,264,533,543,312,553,668,772,773,764,</standard>
<standard id='146057'>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='146058'>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='146059'>68035,68033,67733,67669,68036,67755,68041,68037,17818,68040,68110,65742,60257,60230,60258,17820,60316,60261,67667,17823,694,759,355,306,522,542,773,185,727,719,</standard>
</correlations>
</standards>