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goals.","humanCodingScheme":"ES.I.4","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd051b2c-9fd5-11f0-a035-967c53721e42","uri":"http://web.salt-default/uri/dd051b2c-9fd5-11f0-a035-967c53721e42","fullStatement":"Initiative","humanCodingScheme":"","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd052b62-9fd5-11f0-ac68-967c53721e42","uri":"http://web.salt-default/uri/dd052b62-9fd5-11f0-ac68-967c53721e42","fullStatement":"Practice on-task behaviors with minimal direction.","humanCodingScheme":"ES.I.5","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd053a76-9fd5-11f0-9e65-967c53721e42","uri":"http://web.salt-default/uri/dd053a76-9fd5-11f0-9e65-967c53721e42","fullStatement":"Use failure as a learning opportunity.","humanCodingScheme":"ES.I.6","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd054994-9fd5-11f0-bc3d-967c53721e42","uri":"http://web.salt-default/uri/dd054994-9fd5-11f0-bc3d-967c53721e42","fullStatement":"Practice personal responsibility.","humanCodingScheme":"ES.I.7","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd05597a-9fd5-11f0-b478-967c53721e42","uri":"http://web.salt-default/uri/dd05597a-9fd5-11f0-b478-967c53721e42","fullStatement":"Knowledge","humanCodingScheme":"","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd056870-9fd5-11f0-bac8-967c53721e42","uri":"http://web.salt-default/uri/dd056870-9fd5-11f0-bac8-967c53721e42","fullStatement":"Follow classroom procedures, activities, and behavior in various settings.","humanCodingScheme":"ES.I.8","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0577f2-9fd5-11f0-b490-967c53721e42","uri":"http://web.salt-default/uri/dd0577f2-9fd5-11f0-b490-967c53721e42","fullStatement":"Apply reading, writing and mathematics skills to authentic, real-world tasks.","humanCodingScheme":"ES.I.9","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0586fc-9fd5-11f0-b89d-967c53721e42","uri":"http://web.salt-default/uri/dd0586fc-9fd5-11f0-b89d-967c53721e42","fullStatement":"Reliability","humanCodingScheme":"","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0595de-9fd5-11f0-a7bb-967c53721e42","uri":"http://web.salt-default/uri/dd0595de-9fd5-11f0-a7bb-967c53721e42","fullStatement":"Complete tasks on time.","humanCodingScheme":"ES.I.10","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd05a538-9fd5-11f0-ae21-967c53721e42","uri":"http://web.salt-default/uri/dd05a538-9fd5-11f0-ae21-967c53721e42","fullStatement":"Practice ethical behavior (e.g., honesty, trust, compassion, acceptance) in various situations with minimal guidance.","humanCodingScheme":"ES.I.11","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd05b15e-9fd5-11f0-9622-967c53721e42","uri":"http://web.salt-default/uri/dd05b15e-9fd5-11f0-9622-967c53721e42","fullStatement":"Exhibit self-control with minimal guidance.","humanCodingScheme":"ES.I.12","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd05bd2a-9fd5-11f0-8cd6-967c53721e42","uri":"http://web.salt-default/uri/dd05bd2a-9fd5-11f0-8cd6-967c53721e42","fullStatement":"Drug-Free","humanCodingScheme":"","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd05c9a0-9fd5-11f0-935b-967c53721e42","uri":"http://web.salt-default/uri/dd05c9a0-9fd5-11f0-935b-967c53721e42","fullStatement":"Describe the risk associated with the inappropriate use of household products, medications and alcohol.","humanCodingScheme":"ES.I.13","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd05d5a8-9fd5-11f0-aaaa-967c53721e42","uri":"http://web.salt-default/uri/dd05d5a8-9fd5-11f0-aaaa-967c53721e42","fullStatement":"Communication","humanCodingScheme":"","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd05e1ce-9fd5-11f0-9178-967c53721e42","uri":"http://web.salt-default/uri/dd05e1ce-9fd5-11f0-9178-967c53721e42","fullStatement":"Engage effectively in a range of developmentally appropriate collaborative discussions (one-on- one, in groups and teacher led).","humanCodingScheme":"ES.I.14","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd05f3a8-9fd5-11f0-b743-967c53721e42","uri":"http://web.salt-default/uri/dd05f3a8-9fd5-11f0-b743-967c53721e42","fullStatement":"Follow agreed-upon rules for discussions (e.g. practice active listening and taking turns speaking).","humanCodingScheme":"ES.I.14.a","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd060082-9fd5-11f0-8b9d-967c53721e42","uri":"http://web.salt-default/uri/dd060082-9fd5-11f0-8b9d-967c53721e42","fullStatement":"Speak clearly at an understandable pace using appropriate facts and relevant, descriptive details and complete sentences when appropriate.","humanCodingScheme":"ES.I.14.b","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd060cd0-9fd5-11f0-a603-967c53721e42","uri":"http://web.salt-default/uri/dd060cd0-9fd5-11f0-a603-967c53721e42","fullStatement":"Pose and respond to specific questions to clarify or follow up on information and make comments that contribute to the discussion and link to the remarks of others.","humanCodingScheme":"ES.I.14.c","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0619f0-9fd5-11f0-b0b2-967c53721e42","uri":"http://web.salt-default/uri/dd0619f0-9fd5-11f0-b0b2-967c53721e42","fullStatement":"Use the reasons and evidence a speaker provides to refine ideas when responding to others\u2019 ideas.","humanCodingScheme":"ES.I.14.d","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd062346-9fd5-11f0-a4ca-967c53721e42","uri":"http://web.salt-default/uri/dd062346-9fd5-11f0-a4ca-967c53721e42","fullStatement":"Adapt speech, using both verbal and nonverbal skills, to a variety of situations using formal English when appropriate.","humanCodingScheme":"ES.I.14.e","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd062c9c-9fd5-11f0-846c-967c53721e42","uri":"http://web.salt-default/uri/dd062c9c-9fd5-11f0-846c-967c53721e42","fullStatement":"Recognize that differences exist in individuals, families, communities, cultures and varying points of view.","humanCodingScheme":"ES.I.15","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd063638-9fd5-11f0-a22c-967c53721e42","uri":"http://web.salt-default/uri/dd063638-9fd5-11f0-a22c-967c53721e42","fullStatement":"Identify appropriate strategies to resolve conflicts with guidance.","humanCodingScheme":"ES.I.16","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd063f98-9fd5-11f0-b6bd-967c53721e42","uri":"http://web.salt-default/uri/dd063f98-9fd5-11f0-b6bd-967c53721e42","fullStatement":"Careers","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd06489e-9fd5-11f0-8b77-967c53721e42","uri":"http://web.salt-default/uri/dd06489e-9fd5-11f0-8b77-967c53721e42","fullStatement":"Exploration","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd065406-9fd5-11f0-9462-967c53721e42","uri":"http://web.salt-default/uri/dd065406-9fd5-11f0-9462-967c53721e42","fullStatement":"Explain why people need to work (e.g., earn money, contribute to society, develop identity as a worker, enhance self-esteem to meet basic needs (food, clothing, shelter) and for personal satisfaction and enjoyment).","humanCodingScheme":"C.I.1","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd065e10-9fd5-11f0-9a35-967c53721e42","uri":"http://web.salt-default/uri/dd065e10-9fd5-11f0-9a35-967c53721e42","fullStatement":"Describe jobs done by employees and other individuals in the community, state and world.","humanCodingScheme":"C.I.2","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0667a2-9fd5-11f0-a0d9-967c53721e42","uri":"http://web.salt-default/uri/dd0667a2-9fd5-11f0-a0d9-967c53721e42","fullStatement":"Identify and describe jobs within the 16 KY Career Clusters (e.g., Information Technology, Manufacturing, Health Science and Transportation, Distribution and Logistics).","humanCodingScheme":"C.I.3","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0670f8-9fd5-11f0-b096-967c53721e42","uri":"http://web.salt-default/uri/dd0670f8-9fd5-11f0-b096-967c53721e42","fullStatement":"Describe the impact of individual interests, values and abilities on career choices.","humanCodingScheme":"C.I.4","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd067a08-9fd5-11f0-ae29-967c53721e42","uri":"http://web.salt-default/uri/dd067a08-9fd5-11f0-ae29-967c53721e42","fullStatement":"Preparation","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0682fa-9fd5-11f0-82fa-967c53721e42","uri":"http://web.salt-default/uri/dd0682fa-9fd5-11f0-82fa-967c53721e42","fullStatement":"Explain how academic content learned in school (e.g., mathematics, reading/writing, science, social studies) impacts future jobs/careers.","humanCodingScheme":"C.I.5","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd068d18-9fd5-11f0-a6f2-967c53721e42","uri":"http://web.salt-default/uri/dd068d18-9fd5-11f0-a6f2-967c53721e42","fullStatement":"Use various sources of career information (e.g., Career Day, guest speaker, field trips, virtual field trips, career fairs, career websites) to evaluate jobs/careers that reflect individual interests/needs.","humanCodingScheme":"C.I.6","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd069470-9fd5-11f0-9f86-967c53721e42","uri":"http://web.salt-default/uri/dd069470-9fd5-11f0-9f86-967c53721e42","fullStatement":"Learn, understand and apply responsible digital citizenship practices (e.g., privacy, communication, safe web exploration, online searching).","humanCodingScheme":"C.I.7","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd069ace-9fd5-11f0-97a5-967c53721e42","uri":"http://web.salt-default/uri/dd069ace-9fd5-11f0-97a5-967c53721e42","fullStatement":"Application","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd06a118-9fd5-11f0-a390-967c53721e42","uri":"http://web.salt-default/uri/dd06a118-9fd5-11f0-a390-967c53721e42","fullStatement":"Identify and follow agreed-upon collaborative skills (e.g., attendance, respect, preparedness, quality of work, time-management) that are necessary for both the classroom and workplace.","humanCodingScheme":"C.I.8","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd06a780-9fd5-11f0-b687-967c53721e42","uri":"http://web.salt-default/uri/dd06a780-9fd5-11f0-b687-967c53721e42","fullStatement":"Financial Literacy","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd06ae42-9fd5-11f0-8601-967c53721e42","uri":"http://web.salt-default/uri/dd06ae42-9fd5-11f0-8601-967c53721e42","fullStatement":"Careers, Education & Income","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd06b478-9fd5-11f0-8372-967c53721e42","uri":"http://web.salt-default/uri/dd06b478-9fd5-11f0-8372-967c53721e42","fullStatement":"Compare the financial impacts of a career choice (e.g., financial goals, desired lifestyles, values).","humanCodingScheme":"FL.I.1","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd06baea-9fd5-11f0-8fc4-967c53721e42","uri":"http://web.salt-default/uri/dd06baea-9fd5-11f0-8fc4-967c53721e42","fullStatement":"Identify ways people earn income (e.g., wages, salaries, tips).","humanCodingScheme":"FL.I.2","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd06c288-9fd5-11f0-86e8-967c53721e42","uri":"http://web.salt-default/uri/dd06c288-9fd5-11f0-86e8-967c53721e42","fullStatement":"Credit & Debt","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd06c8f0-9fd5-11f0-90f7-967c53721e42","uri":"http://web.salt-default/uri/dd06c8f0-9fd5-11f0-90f7-967c53721e42","fullStatement":"Explain how credit is used a basic financial tool.","humanCodingScheme":"FL.I.3","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd06cf44-9fd5-11f0-9d99-967c53721e42","uri":"http://web.salt-default/uri/dd06cf44-9fd5-11f0-9d99-967c53721e42","fullStatement":"Explain how borrowing money (credit) is more expensive than paying cash (e.g., interest, fees).","humanCodingScheme":"FL.I.4","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd06d62e-9fd5-11f0-8326-967c53721e42","uri":"http://web.salt-default/uri/dd06d62e-9fd5-11f0-8326-967c53721e42","fullStatement":"Decision Making & Money Management","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd06dc96-9fd5-11f0-af3c-967c53721e42","uri":"http://web.salt-default/uri/dd06dc96-9fd5-11f0-af3c-967c53721e42","fullStatement":"Identify factors and experiences, such as role models and peer pressure, which affect spending patterns.","humanCodingScheme":"FL.I.5","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd06e2fe-9fd5-11f0-8dbb-967c53721e42","uri":"http://web.salt-default/uri/dd06e2fe-9fd5-11f0-8dbb-967c53721e42","fullStatement":"Develop a basic budget which includes income, expenses and savings for a specific purpose.","humanCodingScheme":"FL.I.6","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd06e970-9fd5-11f0-9695-967c53721e42","uri":"http://web.salt-default/uri/dd06e970-9fd5-11f0-9695-967c53721e42","fullStatement":"Explain how financial management is needed to meet the goals of individuals and families by:","humanCodingScheme":"FL.I.7","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd06efd8-9fd5-11f0-8a2c-967c53721e42","uri":"http://web.salt-default/uri/dd06efd8-9fd5-11f0-8a2c-967c53721e42","fullStatement":"describing various types of expenses (e.g., food, clothing, entertainment) and savings (e.g., piggy bank, bank account).","humanCodingScheme":"FL.I.7.a","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd06f636-9fd5-11f0-ad28-967c53721e42","uri":"http://web.salt-default/uri/dd06f636-9fd5-11f0-ad28-967c53721e42","fullStatement":"investigating goals related to money that might affect individuals and families and their values.","humanCodingScheme":"FL.I.7.b","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd06fd34-9fd5-11f0-bff2-967c53721e42","uri":"http://web.salt-default/uri/dd06fd34-9fd5-11f0-bff2-967c53721e42","fullStatement":"Saving & Investing","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd070374-9fd5-11f0-bc93-967c53721e42","uri":"http://web.salt-default/uri/dd070374-9fd5-11f0-bc93-967c53721e42","fullStatement":"Explain how investing puts money to work to earn more money for the future.","humanCodingScheme":"FL.I.8","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0709dc-9fd5-11f0-8b30-967c53721e42","uri":"http://web.salt-default/uri/dd0709dc-9fd5-11f0-8b30-967c53721e42","fullStatement":"Describe reasons (i.e., financial goals) people invest for the future.","humanCodingScheme":"FL.I.9","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd070f90-9fd5-11f0-9cd8-967c53721e42","uri":"http://web.salt-default/uri/dd070f90-9fd5-11f0-9cd8-967c53721e42","fullStatement":"Money & The Economy","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0713d2-9fd5-11f0-a180-967c53721e42","uri":"http://web.salt-default/uri/dd0713d2-9fd5-11f0-a180-967c53721e42","fullStatement":"Compare different payment methods (e.g., writing a check, using a debit or credit card, paying online or with a mobile device).","humanCodingScheme":"FL.I.10","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd071814-9fd5-11f0-a0a4-967c53721e42","uri":"http://web.salt-default/uri/dd071814-9fd5-11f0-a0a4-967c53721e42","fullStatement":"Describe various services (e.g., deposits, check cashing) provided by financial institutions (e.g. banks, credit unions).","humanCodingScheme":"FL.I.12","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd071c74-9fd5-11f0-9ad5-967c53721e42","uri":"http://web.salt-default/uri/dd071c74-9fd5-11f0-9ad5-967c53721e42","fullStatement":"Explain that people are required to pay taxes for which they receive government services.","humanCodingScheme":"FL.I.13","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd07212e-9fd5-11f0-b8c7-967c53721e42","uri":"http://web.salt-default/uri/dd07212e-9fd5-11f0-b8c7-967c53721e42","fullStatement":"Insurance & Risk Management","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd07258e-9fd5-11f0-a185-967c53721e42","uri":"http://web.salt-default/uri/dd07258e-9fd5-11f0-a185-967c53721e42","fullStatement":"Identify the purpose of insurance and give examples of financial risks that are covered by insurance.","humanCodingScheme":"FL.I.14","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0729e4-9fd5-11f0-aae6-967c53721e42","uri":"http://web.salt-default/uri/dd0729e4-9fd5-11f0-aae6-967c53721e42","fullStatement":"List types of personal information that should not be disclosed to others in person or online.","humanCodingScheme":"FL.I.15","educationLevel":["04","05"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0aa9a2-9fd5-11f0-bc2e-967c53721e42","uri":"http://web.salt-default/uri/dd0aa9a2-9fd5-11f0-bc2e-967c53721e42","fullStatement":"Essential Skills","educationLevel":["06","07","08"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0abc76-9fd5-11f0-bcec-967c53721e42","uri":"http://web.salt-default/uri/dd0abc76-9fd5-11f0-bcec-967c53721e42","fullStatement":"Adaptability","educationLevel":["06","07","08"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0acdf6-9fd5-11f0-9fdd-967c53721e42","uri":"http://web.salt-default/uri/dd0acdf6-9fd5-11f0-9fdd-967c53721e42","fullStatement":"Practice problem solving skills in a variety of situations to apply to real-world problems.","humanCodingScheme":"ES.M.1","educationLevel":["06","07","08"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0addd2-9fd5-11f0-8962-967c53721e42","uri":"http://web.salt-default/uri/dd0addd2-9fd5-11f0-8962-967c53721e42","fullStatement":"Model flexibility and willingness to try new things (e.g., critical thinking, problem 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guidance.","humanCodingScheme":"ES.M.10","educationLevel":["06","07","08"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0ba76c-9fd5-11f0-a976-967c53721e42","uri":"http://web.salt-default/uri/dd0ba76c-9fd5-11f0-a976-967c53721e42","fullStatement":"Describe appropriate attire for various situations.","humanCodingScheme":"ES.M.11","educationLevel":["06","07","08"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0bb23e-9fd5-11f0-8965-967c53721e42","uri":"http://web.salt-default/uri/dd0bb23e-9fd5-11f0-8965-967c53721e42","fullStatement":"Practice ethical behavior (e.g., honesty, trust, compassion, acceptance) in various situations.","humanCodingScheme":"ES.M.12","educationLevel":["06","07","08"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0bbe0a-9fd5-11f0-a4ed-967c53721e42","uri":"http://web.salt-default/uri/dd0bbe0a-9fd5-11f0-a4ed-967c53721e42","fullStatement":"Exhibit 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lifestyle.","humanCodingScheme":"C.M.1","educationLevel":["06","07","08"],"lastChangeDateTime":"2025-10-02T22:20:46+00:00"},{"identifier":"dd0c57b6-9fd5-11f0-8403-967c53721e42","uri":"http://web.salt-default/uri/dd0c57b6-9fd5-11f0-8403-967c53721e42","fullStatement":"Explore the cost (monetary and time) of post-secondary and technical education, including possible sources of funding.","humanCodingScheme":"C.M.2","educationLevel":["06","07","08"],"lastChangeDateTime":"2025-10-02T22:20:46+00:00"},{"identifier":"dd0c5fc2-9fd5-11f0-8928-967c53721e42","uri":"http://web.salt-default/uri/dd0c5fc2-9fd5-11f0-8928-967c53721e42","fullStatement":"Explain how roles in the workplace and community are constantly changing (e.g., librarian to media specialist, remote employment opportunities) due to supply and demand and technological impacts on industry.","humanCodingScheme":"C.M.3","educationLevel":["06","07","08"],"lastChangeDateTime":"2025-10-02T22:20:46+00:00"},{"identifier":"dd0c67b0-9fd5-11f0-927d-967c53721e42","uri":"http://web.salt-default/uri/dd0c67b0-9fd5-11f0-927d-967c53721e42","fullStatement":"Identify resources (technology, counselors, shadowing, mentoring, career fairs, class speakers) \\ that can be used for locating job and career information.","humanCodingScheme":"C.M.4","educationLevel":["06","07","08"],"lastChangeDateTime":"2025-10-02T22:20:46+00:00"},{"identifier":"dd0c6fbc-9fd5-11f0-bca6-967c53721e42","uri":"http://web.salt-default/uri/dd0c6fbc-9fd5-11f0-bca6-967c53721e42","fullStatement":"Use information from personal inventory surveys to explore and evaluate jobs within the 16 KY Career Clusters to guide educational pathway choices at the secondary level.","humanCodingScheme":"C.M.5","educationLevel":["06","07","08"],"lastChangeDateTime":"2025-10-02T22:20:46+00:00"},{"identifier":"dd0c7854-9fd5-11f0-bed3-967c53721e42","uri":"http://web.salt-default/uri/dd0c7854-9fd5-11f0-bed3-967c53721e42","fullStatement":"Preparation","educationLevel":["06","07","08"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0c8042-9fd5-11f0-89fb-967c53721e42","uri":"http://web.salt-default/uri/dd0c8042-9fd5-11f0-89fb-967c53721e42","fullStatement":"Explain how skills (both academic and technical) necessary for a variety of career pathways may be gained through extracurricular activities, community experience, volunteer work, etc.","humanCodingScheme":"C.M.6","educationLevel":["06","07","08"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0c886c-9fd5-11f0-a6a7-967c53721e42","uri":"http://web.salt-default/uri/dd0c886c-9fd5-11f0-a6a7-967c53721e42","fullStatement":"Use various sources of career information (e.g., Career 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capital gains).","humanCodingScheme":"FL.M.2","educationLevel":["06","07","08"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0ccb74-9fd5-11f0-9de2-967c53721e42","uri":"http://web.salt-default/uri/dd0ccb74-9fd5-11f0-9de2-967c53721e42","fullStatement":"Explain net income (i.e., wages and salaries minus payroll deductions equal net income or take- home pay).","humanCodingScheme":"FL.M.3","educationLevel":["06","07","08"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0cd150-9fd5-11f0-b7a3-967c53721e42","uri":"http://web.salt-default/uri/dd0cd150-9fd5-11f0-b7a3-967c53721e42","fullStatement":"Credit & Debt","educationLevel":["06","07","08"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0cd6fa-9fd5-11f0-9f3a-967c53721e42","uri":"http://web.salt-default/uri/dd0cd6fa-9fd5-11f0-9f3a-967c53721e42","fullStatement":"Compare a variety of credit sources from which consumers can choose to borrow.","humanCodingScheme":"FL.M.4","educationLevel":["06","07","08"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0cdcb8-9fd5-11f0-899c-967c53721e42","uri":"http://web.salt-default/uri/dd0cdcb8-9fd5-11f0-899c-967c53721e42","fullStatement":"Compare the costs and benefits of buying on credit that are key to making a good borrowing decision.","humanCodingScheme":"FL.M.5","educationLevel":["06","07","08"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0ce410-9fd5-11f0-8472-967c53721e42","uri":"http://web.salt-default/uri/dd0ce410-9fd5-11f0-8472-967c53721e42","fullStatement":"Decision Making & Money Management","educationLevel":["06","07","08"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0ce9f6-9fd5-11f0-a9b3-967c53721e42","uri":"http://web.salt-default/uri/dd0ce9f6-9fd5-11f0-a9b3-967c53721e42","fullStatement":"Evaluate financial management resources and how they are needed to meet the goals of individuals and families by:","humanCodingScheme":"FL.M.6","educationLevel":["06","07","08"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0cf054-9fd5-11f0-bbaa-967c53721e42","uri":"http://web.salt-default/uri/dd0cf054-9fd5-11f0-bbaa-967c53721e42","fullStatement":"prioritizing financial goals.","humanCodingScheme":"FL.M.6.a","educationLevel":["06","07","08"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0cf63a-9fd5-11f0-8afd-967c53721e42","uri":"http://web.salt-default/uri/dd0cf63a-9fd5-11f0-8afd-967c53721e42","fullStatement":"creating a budget including income, expenses (fixed/flexible), and savings.","humanCodingScheme":"FL.M.6.b","educationLevel":["06","07","08"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0cfc0c-9fd5-11f0-868d-967c53721e42","uri":"http://web.salt-default/uri/dd0cfc0c-9fd5-11f0-868d-967c53721e42","fullStatement":"developing and explaining a savings plan and budget based on specific short and long- term financial 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footprint).","humanCodingScheme":"C.H.9","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e1204-9fd5-11f0-a93d-967c53721e42","uri":"http://web.salt-default/uri/dd0e1204-9fd5-11f0-a93d-967c53721e42","fullStatement":"Assess the relationship between personal behavior and employability (e.g., academic achievement, industry certifications, extracurricular activities, community involvement, driving record, impact of online behavior).","humanCodingScheme":"C.H.10","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e1484-9fd5-11f0-b6e8-967c53721e42","uri":"http://web.salt-default/uri/dd0e1484-9fd5-11f0-b6e8-967c53721e42","fullStatement":"Application","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e16fa-9fd5-11f0-b7b4-967c53721e42","uri":"http://web.salt-default/uri/dd0e16fa-9fd5-11f0-b7b4-967c53721e42","fullStatement":"Identify and follow agreed-upon work skills (e.g., attendance, respect, preparedness, quality of work, time-management) that are necessary for both the classroom and workplace.","humanCodingScheme":"C.H.11","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e1970-9fd5-11f0-b976-967c53721e42","uri":"http://web.salt-default/uri/dd0e1970-9fd5-11f0-b976-967c53721e42","fullStatement":"Financial 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choice.","humanCodingScheme":"FL.H.1.a","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e2348-9fd5-11f0-b3f0-967c53721e42","uri":"http://web.salt-default/uri/dd0e2348-9fd5-11f0-b3f0-967c53721e42","fullStatement":"Evaluate the correlation between education, training and potential lifetime income.","humanCodingScheme":"FL.H.1.b","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e2690-9fd5-11f0-97e8-967c53721e42","uri":"http://web.salt-default/uri/dd0e2690-9fd5-11f0-97e8-967c53721e42","fullStatement":"Compare the advantages and disadvantages of being an employee versus being self- employed.","humanCodingScheme":"FL.H.1.c","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e2956-9fd5-11f0-9273-967c53721e42","uri":"http://web.salt-default/uri/dd0e2956-9fd5-11f0-9273-967c53721e42","fullStatement":"Analyze how economic 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costs.","humanCodingScheme":"FL.H.3.a","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e30cc-9fd5-11f0-8caf-967c53721e42","uri":"http://web.salt-default/uri/dd0e30cc-9fd5-11f0-8caf-967c53721e42","fullStatement":"Examine the process for and benefits of Free Application for Federal Student Aid (FAFSA) completion.","humanCodingScheme":"FL.H.3.b","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e3356-9fd5-11f0-9d18-967c53721e42","uri":"http://web.salt-default/uri/dd0e3356-9fd5-11f0-9d18-967c53721e42","fullStatement":"Analyze components of employment compensation:","humanCodingScheme":"FL.H.4","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e35e0-9fd5-11f0-81be-967c53721e42","uri":"http://web.salt-default/uri/dd0e35e0-9fd5-11f0-81be-967c53721e42","fullStatement":"Compare compensation methods including hourly, salary and commission-based packages.","humanCodingScheme":"FL.H.4.a","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e386a-9fd5-11f0-b1c1-967c53721e42","uri":"http://web.salt-default/uri/dd0e386a-9fd5-11f0-b1c1-967c53721e42","fullStatement":"Evaluate benefits packages and retirement plan options and how they add value to your overall compensation.","humanCodingScheme":"FL.H.4.b","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e3aea-9fd5-11f0-a41f-967c53721e42","uri":"http://web.salt-default/uri/dd0e3aea-9fd5-11f0-a41f-967c53721e42","fullStatement":"Recognize that salaries and benefits may be negotiable.","humanCodingScheme":"FL.H.4.c","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e3d60-9fd5-11f0-8e74-967c53721e42","uri":"http://web.salt-default/uri/dd0e3d60-9fd5-11f0-8e74-967c53721e42","fullStatement":"Analyze the factors that determine net income.","humanCodingScheme":"FL.H.5","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e3fcc-9fd5-11f0-991e-967c53721e42","uri":"http://web.salt-default/uri/dd0e3fcc-9fd5-11f0-991e-967c53721e42","fullStatement":"Interpret a paycheck stub.","humanCodingScheme":"FL.H.5.a","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e4256-9fd5-11f0-bb02-967c53721e42","uri":"http://web.salt-default/uri/dd0e4256-9fd5-11f0-bb02-967c53721e42","fullStatement":"Differentiate between gross, net, and taxable income.","humanCodingScheme":"FL.H.5.b","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e44e0-9fd5-11f0-95c5-967c53721e42","uri":"http://web.salt-default/uri/dd0e44e0-9fd5-11f0-95c5-967c53721e42","fullStatement":"Define the purpose of IRS forms (e.g., W-4, I-9, W-2, and 1099).","humanCodingScheme":"FL.H.5.c","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e4760-9fd5-11f0-869c-967c53721e42","uri":"http://web.salt-default/uri/dd0e4760-9fd5-11f0-869c-967c53721e42","fullStatement":"Credit & Debt","humanCodingScheme":"","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e49d6-9fd5-11f0-8620-967c53721e42","uri":"http://web.salt-default/uri/dd0e49d6-9fd5-11f0-8620-967c53721e42","fullStatement":"Develop strategies to control and manage credit and debt.","humanCodingScheme":"FL.H.6","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e4c7e-9fd5-11f0-8fdf-967c53721e42","uri":"http://web.salt-default/uri/dd0e4c7e-9fd5-11f0-8fdf-967c53721e42","fullStatement":"Interpret the components of a credit report.","humanCodingScheme":"FL.H.6.a","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e50b6-9fd5-11f0-bb60-967c53721e42","uri":"http://web.salt-default/uri/dd0e50b6-9fd5-11f0-bb60-967c53721e42","fullStatement":"Investigate ways that credit scores can affect a consumer\u2019s financial options.","humanCodingScheme":"FL.H.6.b","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e5354-9fd5-11f0-9b8e-967c53721e42","uri":"http://web.salt-default/uri/dd0e5354-9fd5-11f0-9b8e-967c53721e42","fullStatement":"Compare the organizations providing credit counseling services.","humanCodingScheme":"FL.H.6.c","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e55ca-9fd5-11f0-9447-967c53721e42","uri":"http://web.salt-default/uri/dd0e55ca-9fd5-11f0-9447-967c53721e42","fullStatement":"Understand the causes of and implications of bankruptcy.","humanCodingScheme":"FL.H.6.d","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e584a-9fd5-11f0-ad9c-967c53721e42","uri":"http://web.salt-default/uri/dd0e584a-9fd5-11f0-ad9c-967c53721e42","fullStatement":"Analyze the costs and benefits of using credit.","humanCodingScheme":"FL.H.7","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e5b7e-9fd5-11f0-8683-967c53721e42","uri":"http://web.salt-default/uri/dd0e5b7e-9fd5-11f0-8683-967c53721e42","fullStatement":"Discuss the purpose and role of credit and explain the value of building and maintaining a healthy credit rating, including elements of creditworthiness: character, capacity, capital, collateral and conditions.","humanCodingScheme":"FL.H.7.a","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e5e26-9fd5-11f0-a59a-967c53721e42","uri":"http://web.salt-default/uri/dd0e5e26-9fd5-11f0-a59a-967c53721e42","fullStatement":"Identify the advantages and disadvantages of basic types of credit (e.g. unsecured versus. secured credit, credit cards, installment loans, revolving credit, student loans and predatory lenders).","humanCodingScheme":"FL.H.7.b","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e6114-9fd5-11f0-8ee2-967c53721e42","uri":"http://web.salt-default/uri/dd0e6114-9fd5-11f0-8ee2-967c53721e42","fullStatement":"Describe the risks, responsibilities and rights associated with using credit (e.g. annual percentage rate (APR), grace period, late fees, finance charges, default rates, interest and closing costs).","humanCodingScheme":"FL.H.7.c","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e63d0-9fd5-11f0-861f-967c53721e42","uri":"http://web.salt-default/uri/dd0e63d0-9fd5-11f0-861f-967c53721e42","fullStatement":"Decision Making & Money Management","humanCodingScheme":"","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e66d2-9fd5-11f0-8e81-967c53721e42","uri":"http://web.salt-default/uri/dd0e66d2-9fd5-11f0-8e81-967c53721e42","fullStatement":"Identify why people make financial choices:","humanCodingScheme":"FL.H.8","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e69f2-9fd5-11f0-a748-967c53721e42","uri":"http://web.salt-default/uri/dd0e69f2-9fd5-11f0-a748-967c53721e42","fullStatement":"Evaluate the role of emotions, attitudes and behavior in making financial decisions.","humanCodingScheme":"FL.H.8.a","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e6d26-9fd5-11f0-8540-967c53721e42","uri":"http://web.salt-default/uri/dd0e6d26-9fd5-11f0-8540-967c53721e42","fullStatement":"Recognize that individuals are responsible for their own financial decisions and for subsequent positive and negative consequences. c. Analyze the opportunity costs of short and long-term financial decisions.","humanCodingScheme":"FL.H.8.b","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e7082-9fd5-11f0-92f3-967c53721e42","uri":"http://web.salt-default/uri/dd0e7082-9fd5-11f0-92f3-967c53721e42","fullStatement":"Analyze the opportunity costs of short and long-term financial decisions.","humanCodingScheme":"FL.H.8.c","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e737a-9fd5-11f0-923c-967c53721e42","uri":"http://web.salt-default/uri/dd0e737a-9fd5-11f0-923c-967c53721e42","fullStatement":"Apply a formal decision-making model to make financial decisions, e.g., PACED:\n- Identify the Problem\n- List Alternatives\n- Explain Criteria\n- Evaluate\n- Decide","humanCodingScheme":"FL.H.9","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e7640-9fd5-11f0-86c9-967c53721e42","uri":"http://web.salt-default/uri/dd0e7640-9fd5-11f0-86c9-967c53721e42","fullStatement":"Identify the components of a personal budgeting process:","humanCodingScheme":"FL.H.10","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e78de-9fd5-11f0-9f8c-967c53721e42","uri":"http://web.salt-default/uri/dd0e78de-9fd5-11f0-9f8c-967c53721e42","fullStatement":"Align goals with desired lifestyle expectations.","humanCodingScheme":"FL.H.10.a","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e7c08-9fd5-11f0-85ba-967c53721e42","uri":"http://web.salt-default/uri/dd0e7c08-9fd5-11f0-85ba-967c53721e42","fullStatement":"Develop a budget based on calculated income.","humanCodingScheme":"FL.H.10.b","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e7e92-9fd5-11f0-93d0-967c53721e42","uri":"http://web.salt-default/uri/dd0e7e92-9fd5-11f0-93d0-967c53721e42","fullStatement":"Identify and prioritize fixed, variable, and periodic expenses.","humanCodingScheme":"FL.H.10.c","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e81d0-9fd5-11f0-bae2-967c53721e42","uri":"http://web.salt-default/uri/dd0e81d0-9fd5-11f0-bae2-967c53721e42","fullStatement":"Emphasize the importance of proactive budget priorities (e.g., pay yourself first, emergency fund, insurance and charitable contributions).","humanCodingScheme":"FL.H.10.d","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e8478-9fd5-11f0-8e11-967c53721e42","uri":"http://web.salt-default/uri/dd0e8478-9fd5-11f0-8e11-967c53721e42","fullStatement":"Compare tools for tracking of a budget, income and expenditures (e.g., the envelope system, paper tracking and online or software options).","humanCodingScheme":"FL.H.10.e","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e8720-9fd5-11f0-bfee-967c53721e42","uri":"http://web.salt-default/uri/dd0e8720-9fd5-11f0-bfee-967c53721e42","fullStatement":"Emphasize the importance of comparison shopping, buying strategies, negotiation, and sales/marketing strategies in purchasing.","humanCodingScheme":"FL.H.10.f","lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e8996-9fd5-11f0-9d5c-967c53721e42","uri":"http://web.salt-default/uri/dd0e8996-9fd5-11f0-9d5c-967c53721e42","fullStatement":"Develop a system for maintaining personal financial documents including proper storage and disposal.","humanCodingScheme":"FL.H.10.g","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e8c48-9fd5-11f0-af7a-967c53721e42","uri":"http://web.salt-default/uri/dd0e8c48-9fd5-11f0-af7a-967c53721e42","fullStatement":"Identify the major types of financial institutions and their products (e.g., certificate of deposit (CD), money market, checking/savings accounts) and services.","humanCodingScheme":"FL.H.11","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e8edc-9fd5-11f0-876c-967c53721e42","uri":"http://web.salt-default/uri/dd0e8edc-9fd5-11f0-876c-967c53721e42","fullStatement":"Demonstrate how to use different payment methods including checks, debit cards and digital services.","humanCodingScheme":"FL.H.12","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e917a-9fd5-11f0-aed5-967c53721e42","uri":"http://web.salt-default/uri/dd0e917a-9fd5-11f0-aed5-967c53721e42","fullStatement":"Compare various types of financial professionals (e.g., financial planners, counselors, certified public accountants (CPA), investment consultants and insurance agents), their credentials, their compensation methods, selection criteria and possible conflicts of interest.","humanCodingScheme":"FL.H.13","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e9418-9fd5-11f0-ae87-967c53721e42","uri":"http://web.salt-default/uri/dd0e9418-9fd5-11f0-ae87-967c53721e42","fullStatement":"Saving & Investing","humanCodingScheme":"","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e96b6-9fd5-11f0-a46f-967c53721e42","uri":"http://web.salt-default/uri/dd0e96b6-9fd5-11f0-a46f-967c53721e42","fullStatement":"Examine implications of the time value of money:","humanCodingScheme":"FL.H.14","educationLevel":["09","10","11","12"],"lastChangeDateTime":"2025-10-02T21:22:13+00:00"},{"identifier":"dd0e994a-9fd5-11f0-9f05-967c53721e42","uri":"http://web.salt-default/uri/dd0e994a-9fd5-11f0-9f05-967c53721e42","fullStatement":"Examine the opportunity costs of saving versus 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