<standards name='TN_PF'><title>Tennessee Standards in Personal Finance</title><content><![CDATA[<font color='#333333'><p>These standards in personal finance are current as of <b>2007</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_tn_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=tn_pf'>web site</a> to learn more.</p><p>----------------------------------------------------------------</p><p class='contentarea'>Content Area: personal finance</p><p>----------------------------------------------------------------</p><p class='contentarea'>Standard: 1.1.a</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>
Standard 1: Income</li><li><textformat leftmargin='15'>The student will interpret factors affecting income</textformat></li><li><textformat leftmargin='30'>Career choices and potential income</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147263|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.1.b</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 1: Income</li><li><textformat leftmargin='15'>The student will interpret factors affecting income</textformat></li><li><textformat leftmargin='30'>Educational requirements/training cost</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147264|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.1.c</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 1: Income</li><li><textformat leftmargin='15'>The student will interpret factors affecting income</textformat></li><li><textformat leftmargin='30'>Educational level</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147265|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.2.a</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 1: Income</li><li><textformat leftmargin='15'>The student will analyze employer benefits package</textformat></li><li><textformat leftmargin='30'>Savings pla</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147266|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.2.b</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 1: Income</li><li><textformat leftmargin='15'>The student will analyze employer benefits package</textformat></li><li><textformat leftmargin='30'>Retirement</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147267|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.2.c</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 1: Income</li><li><textformat leftmargin='15'>The student will analyze employer benefits package</textformat></li><li><textformat leftmargin='30'>Insurance</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147268|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.2.d</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 1: Income</li><li><textformat leftmargin='15'>The student will analyze employer benefits package</textformat></li><li><textformat leftmargin='30'>Leave (vacation, sick, etc.) </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147269|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.2.e</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 1: Income</li><li><textformat leftmargin='15'>The student will analyze employer benefits package</textformat></li><li><textformat leftmargin='30'>Stock purchase</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147270|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.2.f</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 1: Income</li><li><textformat leftmargin='15'>The student will analyze employer benefits package</textformat></li><li><textformat leftmargin='30'>Educational reimbursement</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147271|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.2.g</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 1: Income</li><li><textformat leftmargin='15'>The student will analyze employer benefits package</textformat></li><li><textformat leftmargin='30'>Incentive plans</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147272|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.2.h</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 1: Income</li><li><textformat leftmargin='15'>The student will analyze employer benefits package</textformat></li><li><textformat leftmargin='30'>Cafeteria plan</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147273|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.3.a</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 1: Income</li><li><textformat leftmargin='15'>The student will demonstrate an understanding of inflation and its effect on purchasing power</textformat></li><li><textformat leftmargin='30'>Cost and availability of goods </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147274|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.3.b</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 1: Income</li><li><textformat leftmargin='15'>The student will demonstrate an understanding of inflation and its effect on purchasing power</textformat></li><li><textformat leftmargin='30'>Effect of cost on availability of an demand for goods. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147275|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.3.c</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 1: Income</li><li><textformat leftmargin='15'>The student will demonstrate an understanding of inflation and its effect on purchasing power</textformat></li><li><textformat leftmargin='30'>Inflation's effect on the value of money</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147276|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.4.a</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 1: Income</li><li><textformat leftmargin='15'>The student will examine the components of paying taxes</textformat></li><li><textformat leftmargin='30'>Types of taxes (Federal, State, County, City) </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147277|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.4.b</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 1: Income</li><li><textformat leftmargin='15'>The student will examine the components of paying taxes</textformat></li><li><textformat leftmargin='30'>Personal and employer tax responsibilities</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147278|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.4.c</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 1: Income</li><li><textformat leftmargin='15'>The student will examine the components of paying taxes</textformat></li><li><textformat leftmargin='30'>Various documents for reporting taxes (W-2, W-4, 1040, 1040-EZ, 1099, etc.) </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147279|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1.5.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 1: Income</li><li><textformat leftmargin='15'>The student will analyze the costs and benefits of paying taxes</textformat></li><li><textformat leftmargin='30'> Cost of government services (Police and fire protection, schools, roads, Social 
Security, AFDC, parks and recreation, etc.) </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147280|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>
Standard 2: Money Management</li><li><textformat leftmargin='15'>The student will apply a decision making process to personal financial choices</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,147281|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 2: Money Management</li><li><textformat leftmargin='15'>The student will design a current personal financial plan </textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,147282|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.3.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 2: Money Management</li><li><textformat leftmargin='15'>The student will create a realistic household budget that includes the following items: </textformat></li><li><textformat leftmargin='30'>Short-term components' saving and spending (housing, utilities, food, entertainment, clothing, transportation, personal items, insurance, etc.)  </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147283|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.3.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 2: Money Management</li><li><textformat leftmargin='15'>The student will create a realistic household budget that includes the following items:</textformat></li><li><textformat leftmargin='30'>Long-term components' saving and spending (estate planning, wills, insurance, long-term care)  </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147284|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.4.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 2: Money Management</li><li><textformat leftmargin='15'>The student will understand banking procedures and services</textformat></li><li><textformat leftmargin='30'>Checking and savings accounts (maintaining and reconciling)  </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147285|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.4.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 2: Money Management</li><li><textformat leftmargin='15'>The student will understand banking procedures and services</textformat></li><li><textformat leftmargin='30'>Bank service fees  </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147286|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.4.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 2: Money Management</li><li><textformat leftmargin='15'>The student will understand banking procedures and services</textformat></li><li><textformat leftmargin='30'>Payment methods </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147287|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.4.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 2: Money Management</li><li><textformat leftmargin='15'>The student will understand banking procedures and services</textformat></li><li><textformat leftmargin='30'>Debit, bank, and automatic teller machine (ATM) cards  </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147288|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.4.5</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 2: Money Management</li><li><textformat leftmargin='15'>The student will understand banking procedures and services</textformat></li><li><textformat leftmargin='30'>Loans </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147289|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.5.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 2: Money Management</li><li><textformat leftmargin='15'>The student will analyze personal risk management insurance</textformat></li><li><textformat leftmargin='30'>Health  </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147290|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.5.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 2: Money Management</li><li><textformat leftmargin='15'>The student will analyze personal risk management insurance</textformat></li><li><textformat leftmargin='30'>Life</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147291|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.5.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 2: Money Management</li><li><textformat leftmargin='15'>The student will analyze personal risk management insurance</textformat></li><li><textformat leftmargin='30'>Homeowners  </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147292|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.5.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 2: Money Management</li><li><textformat leftmargin='15'>The student will analyze personal risk management insurance</textformat></li><li><textformat leftmargin='30'>Auto </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147293|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.5.5</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 2: Money Management</li><li><textformat leftmargin='15'>The student will analyze personal risk management insurance</textformat></li><li><textformat leftmargin='30'>Renters </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147294|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.5.6</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 2: Money Management</li><li><textformat leftmargin='15'>The student will analyze personal risk management insurance</textformat></li><li><textformat leftmargin='30'>Disability </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147295|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2.5.7</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 2: Money Management</li><li><textformat leftmargin='15'>The student will analyze personal risk management insurance</textformat></li><li><textformat leftmargin='30'>Long-term care  </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147296|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.1.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 3: Spending & Credit</li><li><textformat leftmargin='15'>The student will demonstrate knowledge of basic principles of consumer finance</textformat></li><li><textformat leftmargin='30'>Credit worthiness</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147297|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.1.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 3: Spending & Credit</li><li><textformat leftmargin='15'>The student will demonstrate knowledge of basic principles of consumer finance</textformat></li><li><textformat leftmargin='30'>Comparison shopping </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147298|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.1.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 3: Spending & Credit</li><li><textformat leftmargin='15'>The student will demonstrate knowledge of basic principles of consumer finance</textformat></li><li><textformat leftmargin='30'>Purchases</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147299|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.1.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 3: Spending & Credit</li><li><textformat leftmargin='15'>The student will demonstrate knowledge of basic principles of consumer finance</textformat></li><li><textformat leftmargin='30'>Goods/Services</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147300|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.1.5</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 3: Spending & Credit</li><li><textformat leftmargin='15'>The student will demonstrate knowledge of basic principles of consumer finance</textformat></li><li><textformat leftmargin='30'>Consumer loans/credit life insurance</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147301|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.1.6</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 3: Spending & Credit</li><li><textformat leftmargin='15'>The student will demonstrate knowledge of basic principles of consumer finance</textformat></li><li><textformat leftmargin='30'>Opportunity cost</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147302|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.1.7</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 3: Spending & Credit</li><li><textformat leftmargin='15'>The student will demonstrate knowledge of basic principles of consumer finance</textformat></li><li><textformat leftmargin='30'>Consequences of purchasing choices</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147303|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.2.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 3: Spending & Credit</li><li><textformat leftmargin='15'>The student will demonstrate awareness of consumer protection and information</textformat></li><li><textformat leftmargin='30'>Personal responsibility</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147304|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.2.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 3: Spending & Credit</li><li><textformat leftmargin='15'>The student will demonstrate awareness of consumer protection and information</textformat></li><li><textformat leftmargin='30'>Laws and regulations </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147305|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.2.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 3: Spending & Credit</li><li><textformat leftmargin='15'>The student will demonstrate awareness of consumer protection and information</textformat></li><li><textformat leftmargin='30'>Legal documents, including contracts</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147306|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.2.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 3: Spending & Credit</li><li><textformat leftmargin='15'>The student will demonstrate awareness of consumer protection and information</textformat></li><li><textformat leftmargin='30'>Consumer protections</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147307|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.2.5</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 3: Spending & Credit</li><li><textformat leftmargin='15'>The student will demonstrate awareness of consumer protection and information</textformat></li><li><textformat leftmargin='30'>Crimes against consumers </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147308|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.2.6</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 3: Spending & Credit</li><li><textformat leftmargin='15'>The student will demonstrate awareness of consumer protection and information</textformat></li><li><textformat leftmargin='30'>Fraud/Scams</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147309|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.2.8</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 3: Spending & Credit</li><li><textformat leftmargin='15'>The student will demonstrate awareness of consumer protection and information</textformat></li><li><textformat leftmargin='30'>Identity theft/protection</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147311|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.2.9</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 3: Spending & Credit</li><li><textformat leftmargin='15'>The student will demonstrate awareness of consumer protection and information</textformat></li><li><textformat leftmargin='30'>Credit reporting services (Equifax, Trans Union, Experian, etc.) </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147312|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.3.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 3: Spending & Credit</li><li><textformat leftmargin='15'>The student will analyze consumer debt management</textformat></li><li><textformat leftmargin='30'>Credit card use and abuse</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147314|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.3.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 3: Spending & Credit</li><li><textformat leftmargin='15'>The student will analyze consumer debt management</textformat></li><li><textformat leftmargin='30'>Credit costs (interest [including APR], penalties, fees, credit score, etc.) </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147315|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.3.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 3: Spending & Credit</li><li><textformat leftmargin='15'>The student will analyze consumer debt management</textformat></li><li><textformat leftmargin='30'>Loan consolidation (benefits and disadvantages) </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147316|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.3.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 3: Spending & Credit</li><li><textformat leftmargin='15'>The student will analyze consumer debt management</textformat></li><li><textformat leftmargin='30'>Credit Counseling </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147317|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.3.5</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 3: Spending & Credit</li><li><textformat leftmargin='15'>The student will analyze consumer debt management</textformat></li><li><textformat leftmargin='30'>Credit problems including bankruptcy, foreclosure, repossession, surrender of collateral (turn back), delinquency, garnishment, effect on employment and purchase of insurance, etc. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147318|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.4.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 3: Spending & Credit</li><li><textformat leftmargin='15'>The student will examine various forms of credit payment</textformat></li><li><textformat leftmargin='30'>Installment</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147319|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.4.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 3: Spending & Credit</li><li><textformat leftmargin='15'>The student will examine various forms of credit payment</textformat></li><li><textformat leftmargin='30'>Bank Draft</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147320|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.4.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 3: Spending & Credit</li><li><textformat leftmargin='15'>The student will examine various forms of credit payment</textformat></li><li><textformat leftmargin='30'>Lay Away</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147321|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.4.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 3: Spending & Credit</li><li><textformat leftmargin='15'>The student will examine various forms of credit payment</textformat></li><li><textformat leftmargin='30'>Electronic (Internet, debit card, electronic transfer, credit card) </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147322|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.5.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 3: Spending & Credit</li><li><textformat leftmargin='15'>The student will compare/contrast various types of loans</textformat></li><li><textformat leftmargin='30'>Mortgage</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147323|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.5.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 3: Spending & Credit</li><li><textformat leftmargin='15'>The student will compare/contrast various types of loans</textformat></li><li><textformat leftmargin='30'>Balloon</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147324|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.5.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 3: Spending & Credit</li><li><textformat leftmargin='15'>The student will compare/contrast various types of loans</textformat></li><li><textformat leftmargin='30'>Installment</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147325|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.5.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 3: Spending & Credit</li><li><textformat leftmargin='15'>The student will compare/contrast various types of loans</textformat></li><li><textformat leftmargin='30'>Education/Training loans</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147326|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.5.5</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 3: Spending & Credit</li><li><textformat leftmargin='15'>The student will compare/contrast various types of loans</textformat></li><li><textformat leftmargin='30'>Check cashing businesses</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147327|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.5.6</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 3: Spending & Credit</li><li><textformat leftmargin='15'>The student will compare/contrast various types of loans</textformat></li><li><textformat leftmargin='30'>Personal </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147328|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.5.7</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 3: Spending & Credit</li><li><textformat leftmargin='15'>The student will compare/contrast various types of loans</textformat></li><li><textformat leftmargin='30'>Secured and unsecured</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147329|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.5.8</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 3: Spending & Credit</li><li><textformat leftmargin='15'>The student will compare/contrast various types of loans</textformat></li><li><textformat leftmargin='30'>Line of Credit</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147330|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.5.9</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 3: Spending & Credit</li><li><textformat leftmargin='15'>The student will compare/contrast various types of loans</textformat></li><li><textformat leftmargin='30'>Equity</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147331|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.5.10</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 3: Spending & Credit</li><li><textformat leftmargin='15'>The student will compare/contrast various types of loans</textformat></li><li><textformat leftmargin='30'>Title Loans</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147332|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3.5.11</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 3: Spending & Credit</li><li><textformat leftmargin='15'>The student will compare/contrast various types of loans</textformat></li><li><textformat leftmargin='30'>Pawn shops</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147333|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.1.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>
Standard 4: Saving & Investing</li><li><textformat leftmargin='15'>The student will identify reasons for saving & investing</textformat></li><li><textformat leftmargin='30'>Education </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147334|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.1.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 4: Saving & Investing</li><li><textformat leftmargin='15'>The student will identify reasons for saving & investing</textformat></li><li><textformat leftmargin='30'>Emergencies/rainy day</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147335|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.1.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 4: Saving & Investing</li><li><textformat leftmargin='15'>The student will identify reasons for saving & investing</textformat></li><li><textformat leftmargin='30'>Short term goals</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147336|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.1.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 4: Saving & Investing</li><li><textformat leftmargin='15'>The student will identify reasons for saving & investing</textformat></li><li><textformat leftmargin='30'>Long term goals</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147337|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.1.5</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 4: Saving & Investing</li><li><textformat leftmargin='15'>The student will identify reasons for saving & investing</textformat></li><li><textformat leftmargin='30'>Retirement </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147338|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.1.6</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 4: Saving & Investing</li><li><textformat leftmargin='15'>The student will identify reasons for saving & investing</textformat></li><li><textformat leftmargin='30'>Down payment </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147339|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.2.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 4: Saving & Investing</li><li><textformat leftmargin='15'>The student will evaluate methods of saving </textformat></li><li><textformat leftmargin='30'>Certificates of Deposit</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147340|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.2.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 4: Saving & Investing</li><li><textformat leftmargin='15'>The student will evaluate methods of saving</textformat></li><li><textformat leftmargin='30'>Interest bearing savings account (Passbook savings) </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147341|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.2.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 4: Saving & Investing</li><li><textformat leftmargin='15'>The student will evaluate methods of saving</textformat></li><li><textformat leftmargin='30'>Individual Retirement Account (IRA) - Roth and traditional </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147342|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.2.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 4: Saving & Investing</li><li><textformat leftmargin='15'>The student will evaluate methods of saving</textformat></li><li><textformat leftmargin='30'>Pension Plans (401k, 403B, annuities, etc.) </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147343|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.2.5</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 4: Saving & Investing</li><li><textformat leftmargin='15'>The student will evaluate methods of saving</textformat></li><li><textformat leftmargin='30'>Education savings plans</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147344|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.3.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 4: Saving & Investing</li><li><textformat leftmargin='15'>The student will evaluate methods of investing</textformat></li><li><textformat leftmargin='30'>Stocks and bonds</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147345|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.3.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 4: Saving & Investing</li><li><textformat leftmargin='15'>The student will evaluate methods of investing</textformat></li><li><textformat leftmargin='30'>Mutual funds </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147346|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.3.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 4: Saving & Investing</li><li><textformat leftmargin='15'>The student will evaluate methods of investing</textformat></li><li><textformat leftmargin='30'>Real Estate</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147347|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.3.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 4: Saving & Investing</li><li><textformat leftmargin='15'>The student will evaluate methods of investing</textformat></li><li><textformat leftmargin='30'>Annuities</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147348|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.3.5</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 4: Saving & Investing</li><li><textformat leftmargin='15'>The student will evaluate methods of investing</textformat></li><li><textformat leftmargin='30'>Business</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147349|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.4.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 4: Saving & Investing</li><li><textformat leftmargin='15'>The student will appraise other aspects of saving and investing</textformat></li><li><textformat leftmargin='30'>Diversification </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147350|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.4.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 4: Saving & Investing</li><li><textformat leftmargin='15'>The student will appraise other aspects of saving and investing</textformat></li><li><textformat leftmargin='30'>Time value of money</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147351|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.4.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 4: Saving & Investing</li><li><textformat leftmargin='15'>The student will appraise other aspects of saving and investing</textformat></li><li><textformat leftmargin='30'>Compound growth/Accrued interest</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147352|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.4.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 4: Saving & Investing</li><li><textformat leftmargin='15'>The student will appraise other aspects of saving and investing</textformat></li><li><textformat leftmargin='30'>Rule of 72 (divide interest rate into 72 to determine number of years in which 
money will double)</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147353|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.4.5</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 4: Saving & Investing</li><li><textformat leftmargin='15'>The student will appraise other aspects of saving and investing</textformat></li><li><textformat leftmargin='30'>Risk and return </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147354|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.5.1</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 4: Saving & Investing</li><li><textformat leftmargin='15'>The student will identify regulatory agencies and their functions </textformat></li><li><textformat leftmargin='30'>Federal Deposit Insurance Corporation (FDIC) </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147355|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.5.2</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 4: Saving & Investing</li><li><textformat leftmargin='15'>The student will identify regulatory agencies and their functions</textformat></li><li><textformat leftmargin='30'>Securities Exchange Commission (SEC) </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147356|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.5.3</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 4: Saving & Investing</li><li><textformat leftmargin='15'>The student will identify regulatory agencies and their functions</textformat></li><li><textformat leftmargin='30'>Federal Reserve</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147357|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4.5.4</p><p>----------------------------------------------------------------</p><p class='contentarea'>9-12</p><br><li>Standard 4: Saving & Investing</li><li><textformat leftmargin='15'>The student will identify regulatory agencies and their functions</textformat></li><li><textformat leftmargin='30'>Internal Revenue Service (IRS) </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,147358|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br></font>]]>
</content>
<correlations>
<standard id='147263'>15427,60251,67755,67739,17801,67748,56531,20817,17807,20818,17804,60232,67855,15949,68109,20819,60229,15428,15429,20856,650,719,122,154,201,317,132,508,615,553,</standard>
<standard id='147264'>15427,17809,56531,67670,67669,17818,60226,17798,67668,20851,56533,60224,56532,17795,56534,67667,15424,68289,15423,67732,94,719,463,386,759,650,121,630,341,158,</standard>
<standard id='147265'>15429,20856,15434,15427,67727,17835,62475,15951,67736,62515,60259,17813,62584,60315,62474,67730,67732,20857,67750,56531,719,104,650,203,575,122,146,350,725,668,</standard>
<standard id='147266'>56534,56533,60226,56532,17812,60224,60225,17810,62450,67670,67669,17809,56531,15424,67668,67667,17795,17818,17814,17798,773,271,346,707,121,725,719,388,333,334,</standard>
<standard id='147267'>56534,56533,60226,56532,17812,60224,60225,17810,62450,67670,67669,17809,56531,15424,67668,67667,17795,17818,17814,17798,773,271,346,707,121,725,719,388,333,334,</standard>
<standard id='147268'>65740,67670,67669,17818,17795,56532,67668,56531,67667,15424,56534,56533,60226,20851,60224,20852,68289,17798,17811,20863,312,354,581,346,759,271,121,341,773,386,</standard>
<standard id='147269'>67668,67669,67670,17795,67667,56532,17798,56534,56533,60224,20851,68289,60226,17818,15424,15423,17811,65740,68057,17796,94,121,312,759,386,463,346,707,341,158,</standard>
<standard id='147270'>60226,60224,56534,56532,56533,62450,67667,67669,17798,17818,67670,17795,67668,20851,15424,15423,68289,60225,17810,17812,121,707,346,271,463,386,759,773,388,333,</standard>
<standard id='147271'>17809,20863,17795,17814,67731,60226,67669,17799,67670,15424,67668,17818,67667,62177,56531,17801,67760,68043,17806,67755,719,773,759,341,346,630,162,273,725,43,</standard>
<standard id='147272'>17818,17809,60226,67670,67669,67667,67668,17795,17814,15424,17817,67731,68043,17799,20863,17833,62220,67743,60224,67746,341,759,630,773,346,273,162,463,386,312,</standard>
<standard id='147273'>17795,17809,17818,17814,67668,67667,67670,15424,67669,60226,67731,17817,17798,67746,20851,68043,17799,56534,20863,60224,759,341,630,312,346,273,463,158,386,121,</standard>
<standard id='147274'>17810,68034,65720,68105,17832,68141,68107,63118,15432,62251,62476,62252,62250,62271,17826,60260,62511,62264,62260,65692,998,995,602,1000,1012,1006,44,395,990,36,</standard>
<standard id='147275'>17810,68105,68034,17832,65720,68141,63118,60232,15432,68107,62252,62271,62453,62175,62451,62251,62174,62237,62444,62250,615,998,1012,995,1000,1006,602,776,44,36,</standard>
<standard id='147276'>15432,68034,17810,17832,68105,65720,68141,67753,67754,56531,67742,62260,62252,62251,62476,62250,62271,17826,68307,60260,395,776,1000,998,602,1012,995,1006,133,34,</standard>
<standard id='147277'>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='147278'>68035,68036,68033,67669,68041,67733,68037,67755,68040,17818,15955,15953,60261,15954,60258,67667,60230,67670,60257,60316,759,306,542,522,355,694,632,459,773,748,</standard>
<standard id='147279'>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='147280'>60257,15955,17818,62483,60261,15426,68030,68037,67755,15953,20827,15954,68035,68031,17823,68027,67735,68036,17820,67734,759,773,189,582,273,522,529,355,719,632,</standard>
<standard id='147281'>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='147282'>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='147283'>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='147284'>60223,60217,68297,63120,20829,68300,17810,62144,17812,60212,65743,17813,68287,60215,68295,68305,62454,60218,65740,60227,36,388,37,847,603,84,175,698,570,312,</standard>
<standard id='147285'>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='147286'>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='147287'>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='147288'>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='147289'>68297,68110,68104,60234,68306,62144,17810,68300,20829,60217,60223,68111,65690,67851,62273,17812,15962,62606,60226,67734,36,37,847,84,570,388,175,26,603,326,</standard>
<standard id='147290'>65743,60214,65742,65740,65741,56530,17811,56529,67858,60215,17812,17813,60212,60316,62592,62224,68295,68296,68302,68305,312,346,650,94,113,306,707,17,355,305,</standard>
<standard id='147291'>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='147292'>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='147293'>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='147294'>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='147295'>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='147296'>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='147297'>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='147298'>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='147299'>56534,60214,17811,56533,56532,56529,56530,67858,65743,68294,60212,68293,60215,68295,68302,17812,17813,68306,68305,60316,346,162,94,113,306,650,707,651,17,140,</standard>
<standard id='147300'>68306,68300,62144,20829,17810,68297,60254,68111,17812,62276,68110,65690,15962,68104,67851,67734,60222,60225,62606,60226,26,847,188,162,346,175,570,36,37,388,</standard>
<standard id='147301'>17810,68297,62144,20829,68300,68110,62451,60225,68104,15962,60226,62276,62273,65690,60222,17812,62516,60234,60254,62450,175,84,847,603,388,37,36,570,26,121,</standard>
<standard id='147302'>60226,68306,62605,62451,62450,68288,67667,20829,56534,67668,67670,67669,68289,17798,60224,17795,56533,56532,20851,15424,121,158,570,759,346,388,603,463,386,230,</standard>
<standard id='147303'>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='147304'>68302,68305,68295,17812,62144,68300,68297,17810,20829,65743,67858,60226,60214,17811,56529,56530,60234,62273,62592,62276,388,36,346,45,121,162,847,37,175,84,</standard>
<standard id='147305'>68035,68036,68033,67669,68041,67733,68037,67755,68040,17818,15955,15953,60261,15954,60258,67667,60230,67670,60257,60316,759,306,542,522,355,694,632,459,773,748,</standard>
<standard id='147306'>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='147307'>68035,68036,68033,67669,68041,67733,68037,67755,68040,17818,15955,15953,60261,15954,60258,67667,60230,67670,60257,60316,759,306,542,522,355,694,632,459,773,748,</standard>
<standard id='147308'>68035,68036,68033,67669,68041,67733,68037,67755,68040,17818,15955,15953,60261,15954,60258,67667,60230,67670,60257,60316,759,306,542,522,355,694,632,459,773,748,</standard>
<standard id='147309'>68035,68036,68033,67669,68041,67733,68037,67755,68040,17818,15955,15953,60261,15954,60258,67667,60230,67670,60257,60316,759,306,542,522,355,694,632,459,773,748,</standard>
<standard id='147311'>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='147312'>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='147314'>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='147315'>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='147316'>68300,68297,62144,17810,20829,68305,17812,68302,68295,60254,67734,60234,62276,65690,62606,62273,62516,62451,62601,62602,388,36,847,84,603,175,570,26,37,162,</standard>
<standard id='147317'>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='147318'>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='147319'>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='147320'>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='147321'>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='147322'>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='147323'>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='147324'>17810,60225,17812,62450,60226,68297,68300,62144,20829,60234,62451,67851,60222,60254,68111,68110,62276,62273,67734,65690,175,388,847,346,188,158,162,121,326,45,</standard>
<standard id='147325'>17810,60225,17812,62450,60226,68297,68300,62144,20829,60234,62451,67851,60222,60254,68111,68110,62276,62273,67734,65690,175,388,847,346,188,158,162,121,326,45,</standard>
<standard id='147326'>17810,60225,17812,62450,60226,68297,68300,62144,20829,60234,62451,67851,60222,60254,68111,68110,62276,62273,67734,65690,175,388,847,346,188,158,162,121,326,45,</standard>
<standard id='147327'>60224,68043,17818,67670,17795,67669,67667,67668,56532,56531,56533,15424,56534,60226,20852,17812,68289,17811,17809,17799,333,334,581,759,346,271,371,335,773,630,</standard>
<standard id='147328'>17810,60225,17812,62450,60226,68297,68300,62144,20829,60234,62451,67851,60222,60254,68111,68110,62276,62273,67734,65690,175,388,847,346,188,158,162,121,326,45,</standard>
<standard id='147329'>62144,17810,68297,68300,20829,62601,68111,68110,62602,17812,60226,65690,60222,68104,60225,60254,62450,60234,60217,60223,388,847,175,603,84,36,26,570,37,346,</standard>
<standard id='147330'>62144,17810,68297,68300,20829,62601,68111,68110,62602,17812,60226,65690,60222,68104,60225,60254,62450,60234,60217,60223,388,847,175,603,84,36,26,570,37,346,</standard>
<standard id='147331'>62144,17810,68297,68300,20829,62601,68111,68110,62602,17812,60226,65690,60222,68104,60225,60254,62450,60234,60217,60223,388,847,175,603,84,36,26,570,37,346,</standard>
<standard id='147332'>62144,17810,68297,68300,20829,62601,68111,68110,62602,17812,60226,65690,60222,68104,60225,60254,62450,60234,60217,60223,388,847,175,603,84,36,26,570,37,346,</standard>
<standard id='147333'>60224,68043,17795,67670,67669,67668,60226,56533,56532,56531,67667,56534,17818,15424,17799,17809,20863,17798,68289,67731,333,334,371,335,271,346,759,581,707,773,</standard>
<standard id='147334'>68287,60212,60215,17813,68305,17812,68295,60214,56529,56530,67858,65743,17811,68141,60234,60226,63120,60224,56532,56533,346,707,305,36,691,121,558,388,113,94,</standard>
<standard id='147335'>68287,60212,60215,17813,68305,17812,68295,60214,56529,56530,67858,65743,17811,68141,60234,60226,63120,60224,56532,56533,346,707,305,36,691,121,558,388,113,94,</standard>
<standard id='147336'>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='147337'>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='147338'>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='147339'>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='147340'>60217,62144,60223,60234,60227,60254,68104,65723,15960,62454,60224,17830,60222,60216,60215,60213,60218,60219,60220,67749,333,292,335,334,698,175,36,37,847,570,</standard>
<standard id='147341'>62144,60223,17810,20829,68300,68297,68104,60222,65690,60254,68308,60217,60212,17812,15962,62451,62450,62273,68306,68287,847,603,388,570,175,37,84,36,121,353,</standard>
<standard id='147342'>62144,60223,20829,17810,60217,68297,68300,68104,60222,65690,60254,68308,63120,60221,62451,62450,60220,60219,15962,67749,175,603,847,388,84,37,36,570,698,547,</standard>
<standard id='147343'>60217,62144,60223,60234,60227,60254,68104,65723,15960,62454,60224,17830,60222,60216,60215,60213,60218,60219,60220,67749,333,292,335,334,698,175,36,37,847,570,</standard>
<standard id='147344'>62144,60223,68297,20829,17810,68300,60217,60254,68308,17812,68104,65690,68287,60222,60212,60215,20828,20825,63120,62451,388,36,570,847,175,84,37,603,121,346,</standard>
<standard id='147345'>62144,60223,17810,20829,68300,68297,68104,60222,65690,60254,68308,60217,60212,17812,15962,62451,62450,62273,68306,68287,847,603,388,570,175,37,84,36,121,353,</standard>
<standard id='147346'>60223,60217,62144,60254,60213,67749,60220,60221,60224,60222,60218,15960,17830,60215,60216,68104,60219,60227,65690,62584,333,292,335,334,698,175,388,37,603,570,</standard>
<standard id='147347'>60223,68300,20829,68297,17810,62144,17812,62273,62450,68287,15962,62516,68104,60212,65690,60254,68306,68308,60226,60225,175,84,570,388,847,36,603,37,547,346,</standard>
<standard id='147348'>60223,68297,60217,62144,68104,20829,17810,68300,68306,60218,60213,62454,60227,60234,68307,60222,65690,68308,60254,63120,175,570,603,388,84,37,36,847,698,553,</standard>
<standard id='147349'>60217,60223,60227,68104,62454,60218,60234,68110,60213,68307,68297,62144,67857,67738,68032,68109,62602,15960,68111,68106,479,533,264,543,553,505,371,335,131,253,</standard>
<standard id='147350'>60217,60223,60227,68104,62454,60218,60234,68110,60213,68307,68297,62144,67857,67738,68032,68109,62602,15960,68111,68106,479,533,264,543,553,505,371,335,131,253,</standard>
<standard id='147351'>60223,62144,60217,68297,68104,60234,68110,17810,65690,60227,60222,20828,20829,20825,60213,60218,62454,60254,68306,68307,84,388,175,36,37,603,847,570,479,371,</standard>
<standard id='147352'>60223,68297,62144,68104,20829,60217,68306,68300,17810,20825,68287,60222,20828,62454,62273,60213,60212,67738,62450,15962,84,175,388,847,37,36,570,603,121,353,</standard>
<standard id='147353'>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='147354'>60217,68297,60223,67738,60227,68306,62512,68307,68104,60234,62454,60213,60218,62144,17810,20829,63120,68300,68287,17813,553,388,175,570,698,603,84,847,37,36,</standard>
<standard id='147355'>60217,60223,60227,68104,62454,60218,60234,68110,60213,68307,68297,62144,67857,67738,68032,68109,62602,15960,68111,68106,479,533,264,543,553,505,371,335,131,253,</standard>
<standard id='147356'>68111,60228,60224,60253,68110,15960,60222,60254,60223,67857,60215,68041,60261,67667,67669,67670,67749,67742,68104,60234,582,542,628,632,33,748,505,479,371,253,</standard>
<standard id='147357'>68107,60232,15432,68111,60260,15963,17828,15962,68108,67762,67756,63118,17810,62256,17831,60233,65720,60228,65691,62602,36,990,698,1012,29,459,700,995,352,348,</standard>
<standard id='147358'>68035,68036,68033,67669,68041,67733,68037,67755,68040,17818,15955,15953,60261,15954,60258,67667,60230,67670,60257,60316,759,306,542,522,355,694,632,459,773,748,</standard>
</correlations>
</standards>