Organization: Pearson Education Product Name: Economics Florida Product Version: v1.0 Source: IMS Online Validator Profile: 1.2.0 Identifier: realize-473035c7-2f85-3ecb-8b61-afa712a75f6d Timestamp: Wednesday, January 23, 2019 04:01 PM EST Status: VALID! Conformant: true ----- VALID! ----- Resource Validation Results The document is valid. ----- VALID! ----- Schema Location Results Schema locations are valid. ----- VALID! ----- Schema Validation Results The document is valid. ----- VALID! ----- Schematron Validation Results The document is valid. Curriculum Standards: Compare how the various economic systems (traditional, market, command, mixed) answer the questions: (1) What to produce?; (2) How to produce?; and (3) For whom to produce? - AF647558-CCB8-11DD-A7C8-69619DFF4B22 Examine the four phases of the business cycle (peak, contraction - unemployment, trough, expansion - inflation). - AF681046-CCB8-11DD-A7C8-69619DFF4B22 Analyze production possibilities curves to explain choice, scarcity, and opportunity costs. - AF641220-CCB8-11DD-A7C8-69619DFF4B22 Describe why an economic role for a government may exist if individuals do not have complete information about the nature of alternative investments or access to competitive financial markets. - 40b9537a-a3c1-4171-9113-9ca5f60eda65 Explain that loss of assets, wealth, and future opportunities can occur if an individuals personal information is obtained by others through identity theft and then used fraudulently, and that by managing their personal information and choosing the environment in which it is revealed, individuals can accept, reduce, and insure against the risk of loss due to identity theft. - 113069c7-4344-4bc7-aa2a-45bb57166066 Explain the basic functions and characteristics of money, and describe the composition of the money supply in the United States. - AF687270-CCB8-11DD-A7C8-69619DFF4B22 Discuss that when buying a good, consumers may consider various aspects of the product including the products features. Explain why for goods that last for a longer period of time, the consumer should consider the products durability and maintenance costs. - 26ca84ba-0e62-4f78-9e4f-bb7444a4fb88 Assess the economic impact of negative and positive externalities on the local, state, and national environment. - AF6E6E6E-CCB8-11DD-A7C8-69619DFF4B22 Assess the economic impact of negative and positive externalities on the international environment. - AF70D7F8-CCB8-11DD-A7C8-69619DFF4B22 Differentiate and draw conclusions about historical economic thought theorized by economists. - AF71A08E-CCB8-11DD-A7C8-69619DFF4B22 Explain that people may be required by governments or by certain types of contracts (e.g., home mortgages) to purchase some types of insurance. - 129a36e6-e833-4a40-88c4-cd2a4d569688 Explain that shorter-term investments will likely have lower rates of return than longer-term investments. - d4ff5580-289e-4e2d-8377-c2442090feb1 Describe that, in addition to assessing a persons credit risk, credit reports and scores may be requested and used by employers in hiring decisions, landlords in deciding whether to rent apartments, and insurance companies in charging premiums. - 69c73f34-c215-497c-aed2-0af997fa289b Explain that loans can be unsecured or secured with collateral, that collateral is a piece of property that can be sold by the lender to recover all or part of a loan if the borrower fails to repay. Explain why secured loans are viewed as having less risk and why lenders charge a lower interest rate than they charge for unsecured loans. - e07f699e-2068-431f-adb2-ea2e58a7577d Discuss that lenders can pay to receive a borrowers credit score from a credit bureau and that a credit score is a number based on information in a credit report and assesses a persons credit risk. - e2f8a4f3-2cbd-4e11-b7b5-4515d40feb9e Compare credit, savings, and investment services available to the consumer from financial institutions. - AF68E0CA-CCB8-11DD-A7C8-69619DFF4B22 Describe why people choose different amounts of insurance coverage based on their willingness to accept risk, as well as their occupation, lifestyle, age, financial profile, and the price of insurance. - 60135fe7-e58d-4574-bbb1-05ca58685474 Explain that an investment with greater risk than another investment will commonly have a lower market price, and therefore a higher rate of return, than the other investment. - 67ec7549-c14f-43ed-9847-2c13d97295f9 Describe the organization and functions of the Federal Reserve System. - AF6E0B7C-CCB8-11DD-A7C8-69619DFF4B22 Describe government policies that create incentives and disincentives for people to save. - 85aa0ec8-9516-4121-adc5-75a9334dd1eb Research contributions of entrepreneurs, inventors, and other key individuals from various gender, social, and ethnic backgrounds in the development of the United States. - AF6B4144-CCB8-11DD-A7C8-69619DFF4B22 Compare the Securities and Exchange Commission (SEC), the Federal Reserve, and other government agencies that regulate financial markets. - 80942cdc-3ac8-4926-b3dd-89c00587f7b5 Identify the factors of production and why they are necessary for the production of goods and services. - AF63A254-CCB8-11DD-A7C8-69619DFF4B22 Explain how the Federal Reserve uses the tools of monetary policy (discount rate, reserve requirement, open market operations) to promote price stability, full employment, and economic growth. - AF67AE30-CCB8-11DD-A7C8-69619DFF4B22 Explain ways firms engage in price and nonprice competition. - AF667AD8-CCB8-11DD-A7C8-69619DFF4B22 Explain that people vary in their willingness to take risks because the willingness to take risks depends on factors such as personality, income, and family situation. - 7ab2e2c1-c138-4267-acb7-fb9273829d44 Explain that taxes are paid to federal, state, and local governments to fund government goods and services and transfer payments from government to individuals and that the major types of taxes are income taxes, payroll (Social Security) taxes, property taxes, and sales taxes. - 48503943-1ee5-4216-a8b5-2e2a022f90cb Discuss the fact that, in addition to privately purchased insurance, some government benefit programs provide a social safety net to protect individuals from economic hardship created by unexpected events. - ad519b7d-83c1-4e8a-b66c-88785b3555c4 Compare federal and state regulations that provide some remedies and assistance for victims of identity theft. - c1087e7f-86d2-4049-b397-434604b0c95b Discuss that people choose jobs or careers for which they are qualified based on non-income factors, such as job satisfaction, independence, risk, family, or location. - 1d06b1c9-ae73-4af3-850c-7fd1be52f411 Explain that consumers are entitled to a free copy of their credit report annually so that they can verify that no errors were made that might increase their cost of credit. - fa42172c-7802-460d-af31-59651049b873 Graph and explain how firms determine price and output through marginal cost analysis. - AF6617FA-CCB8-11DD-A7C8-69619DFF4B22 Describe how an insurance contract can increase the probability or size of a potential loss because having the insurance results in the person taking more risks, and that policy features such as deductibles and copayments are cost-sharing features that encourage the policyholder to take steps to reduce the potential size of a loss (claim). - 7bc87156-40c1-4bf3-95d0-bc0e2499890f Construct a circular flow diagram for an open-market economy including elements of households, firms, government, financial institutions, product and factor markets, and international trade. - AF6ED62E-CCB8-11DD-A7C8-69619DFF4B22 Analyze the reasons why the wage or salary paid to workers in jobs is usually determined by the labor market and that businesses are generally willing to pay more productive workers higher wages or salaries than less productive workers. - ec899ecf-b9ef-4a4b-a1ce-812c6392c9cd Compare the difference between the nominal interest rate which tells savers how the dollar value of their savings or investments will grow, and the real interest rate which tells savers how the purchasing power of their savings or investments will grow. - a464ff2e-56ac-4ace-847f-c51de874f939 Discuss ways people incur costs and realize benefits when searching for information related to their purchases of goods and services and describe how the amount of information people should gather depends on the benefits and costs of the information. - d1091403-afb2-4f4d-b0e4-056e6a674c6c Analyze the fact that, in extreme cases, bankruptcy may be an option for consumers who are unable to repay debt, and although bankruptcy provides some benefits, filing for bankruptcy also entails considerable costs, including having notice of the bankruptcy appear on a consumers credit report for up to 10 years. - 9a239464-183a-480a-933d-982ef116ea12 Identify the impact of inflation on society. - AF6CD81A-CCB8-11DD-A7C8-69619DFF4B22 Analyze how changes in federal spending and taxation affect budget deficits and surpluses and the national debt. - AF6DA844-CCB8-11DD-A7C8-69619DFF4B22 Compare the basic characteristics of the four market structures (monopoly, oligopoly, monopolistic competition, pure competition). - AF65A8D8-CCB8-11DD-A7C8-69619DFF4B22 Describe the risk and return profiles of various investment vehicles and the importance of diversification. - AF69442A-CCB8-11DD-A7C8-69619DFF4B22 Discuss that buyers and sellers in financial markets determine prices of financial assets and therefore influence the rates of return on those assets. - dff47a78-eb90-4a2b-ae9f-ea0a66597e9d Explain that people may choose to donate money to charitable organizations and other not-for-profits because they gain satisfaction from donating. - 1542eaf6-6f3b-48ad-ab8e-fbede17d11eb Explain the use of fiscal policy (taxation, spending) to promote price stability, full employment, and economic growth. - AF674436-CCB8-11DD-A7C8-69619DFF4B22 Use a decision-making model to analyze a public policy issue affecting the student's community that incorporates defining a problem, analyzing the potential consequences, and considering the alternatives. - AF6AD2EA-CCB8-11DD-A7C8-69619DFF4B22 Use geographic terms and tools to analyze case studies of issues in globalization. - AF5B5B80-CCB8-11DD-A7C8-69619DFF4B22 Examine why investors should be aware of tendencies that people have that may result in poor choices, which may include avoiding selling assets at a loss because they weigh losses more than they weigh gains and investing in financial assets with which they are familiar, such as their own employers stock or domestic rather than international stocks. - 68a57c87-3656-4dee-a7c9-344466797959 Define supply, demand, quantity supplied,and quantity demanded; graphically illustrate situations that would cause changes in each, and demonstrate how the equilibrium price of a product is determined by the interaction of supply and demand in the market place. - AF64E2B8-CCB8-11DD-A7C8-69619DFF4B22 Explain that people can lower insurance premiums by behaving in ways that show they pose a lower risk. - 91a46574-a73c-4243-8449-27e11619d259 Compare the ways that federal, state, and local tax rates vary on different types of investments. Describe the taxes effect on the after-tax rate of return of an investment. - a92502c6-8239-4720-ae4c-d58e96595d2e Compare the current United States economy with other developed and developing nations. - AF713EB4-CCB8-11DD-A7C8-69619DFF4B22 Examine governments establishing laws and institutions to provide consumers with information about goods or services being purchased and to protect consumers from fraud. - 08648bc2-d949-4121-b959-e66f53b24b0b Discuss how peoples sources of income, amount of income, as well as the amount and type of spending affect the types and amounts of taxes paid. - 9afdabf3-55c5-437e-bded-f858ddd41190 Describe how the earnings of workers are determined. - AF66DD8E-CCB8-11DD-A7C8-69619DFF4B22 Compare different forms of business organizations. - AF65462C-CCB8-11DD-A7C8-69619DFF4B22 Describe ways that consumers may be influenced by how the price of a good is expressed. - 2ea8a798-6843-4fd6-a26e-5d45520fccbc Discuss ways that consumers can compare the cost of credit by using the annual percentage rate (APR), initial fees charged, and fees charged for late payment or missed payments. - bc0cb90f-d8a3-4023-be08-40ee6efc858e Differentiate between direct and indirect taxes, and describe the progressivity of taxes (progressive, proportional, regressive). - AF6D3A62-CCB8-11DD-A7C8-69619DFF4B22 Discuss reasons why changes in economic conditions or the labor market can cause changes in a workers income or may cause unemployment. - 7c228f63-b6c9-4613-85bf-c127597ae4ae Analyze situations in which when people consume goods and services, their consumption can have positive and negative effects on others. - 1a643762-bba2-4238-8afb-2e5ec36b8b46 Explain how employer benefit programs create incentives and disincentives to save and how an employees decision to save can depend on how the alternatives are presented by the employer. - d2cb777f-1180-4b0f-a9d8-277b9fdac515 Explain how the expenses of buying, selling, and holding financial assets decrease the rate of return from an investment. - d1d478f4-a9d2-4d0a-9fe2-d55d13ea0aaa Examine absolute and comparative advantage, and explain why most trade occurs because of comparative advantage. - AF7008BE-CCB8-11DD-A7C8-69619DFF4B22 Compare consumer decisions as they are influenced by the price of a good or service, the price of alternatives, and the consumers income as well as his or her preferences. - a23fb13a-adf9-45c2-a6a2-f3670992659d Describe how individuals vary with respect to their willingness to accept risk and why most people are willing to pay a small cost now if it means they can avoid a possible larger loss later. - 5ee4fdd6-8666-48d9-994d-4f5de1e9a1ed Describe the factors and processes that contribute to the differences between developing and developed regions of the world. - AF55CE36-CCB8-11DD-A7C8-69619DFF4B22 Evaluate ways people can make more informed education, job, or career decisions by evaluating the benefits and costs of different choices. - 4dd5d133-d194-423b-a02c-efc4dedeabfc Explain that lenders make credit decisions based in part on consumer payment history. Credit bureaus record borrowers credit and payment histories and provide that information to lenders in credit reports. - 744fb93e-7838-4f38-a943-f79700edf8e5 Use geographic terms and tools to explain differing perspectives on the use of renewable and non-renewable resources in Florida, the United States, and the world. - AF589792-CCB8-11DD-A7C8-69619DFF4B22 Diagram and explain the problems that occur when government institutes wage and price controls, and explain the rationale for these controls. - AF6BAB34-CCB8-11DD-A7C8-69619DFF4B22 Discuss ways that the prices of financial assets are affected by interest rates and explain that the prices of financial assets are also affected by changes in domestic and international economic conditions, monetary policy, and fiscal policy. - 4f505b7b-8dd1-42ea-81f4-a74c101f61ec Examine the fact that failure to repay a loan has significant consequences for borrowers such as negative entries on their credit report, repossession of property (collateral), garnishment of wages, and the inability to obtain loans in the future. - 195f8e62-91bb-4549-9311-c9be438a190a Describe how financial markets adjust to new financial news and that prices in those markets reflect what is known about those financial assets. - 8c60c91e-d440-4608-9e63-c53aeea2e455 Identify and explain broad economic goals. - AF6A70DE-CCB8-11DD-A7C8-69619DFF4B22 Analyze how capital investments may impact productivity and economic growth. - AF6C0D7C-CCB8-11DD-A7C8-69619DFF4B22 Discuss that consumers who use credit should be aware of laws that are in place to protect them and that these include requirements to provide full disclosure of credit terms such as APR and fees, as well as protection against discrimination and abusive marketing or collection practices. - 1c07cfe2-202f-4f6a-bea6-1e821ec22fff Analyze how judgment regarding risky events is subject to errors because people tend to overestimate the probability of infrequent events, often because theyve heard of or seen a recent example. - 7f696994-23a8-48df-8b62-57a2421e3124 Explain that people vary in their willingness to obtain more education or training because these decisions involve incurring immediate costs to obtain possible future benefits. Describe how discounting the future benefits of education and training may lead some people to pass up potentially high rates of return that more education and training may offer. - 157c4053-f253-4707-a779-c628db113249 Compare the purposes of various types of insurance, including that health insurance provides for funds to pay for health care in the event of illness and may also pay for the cost of preventative care; disability insurance is income insurance that provides funds to replace income lost while an individual is ill or injured and unable to work; property and casualty insurance pays for damage or loss to the insureds property; life insurance benefits are paid to the insureds beneficiaries in the event of the policyholders death. - e828e2de-b2ce-40bd-aa1e-66223fa8bb3c Discuss the effect of barriers to trade and why nations sometimes erect barriers to trade or establish free trade zones. - AF707588-CCB8-11DD-A7C8-69619DFF4B22 Describe ways that money received (or paid) in the future can be compared to money held today by discounting the future value based on the rate of interest. - 3d9b0e50-2363-4045-b112-f474b5b64d95 Demonstrate the impact of inflation on world economies. - AF6F9ABE-CCB8-11DD-A7C8-69619DFF4B22 Discuss the reasons why some people have a tendency to be impatient and choose immediate spending over saving for the future. - fc5e1126-3f2e-4f9d-8f3a-2c24dea707ab Explain ways that government agencies supervise and regulate financial institutions to help protect the safety, soundness, and legal compliance of the nations banking and financial system. - 9870cd78-ee05-44a7-9dc6-1a9bf6a7f9e0 Describe why people often make a cash payment to the seller of a goodcalled a down paymentin order to reduce the amount they need to borrow. Describe why lenders may consider loans made with a down payment to have less risk because the down payment gives the borrower some equity or ownership right away and why these loans may carry a lower interest rate. - 1224a22a-cb04-4087-9462-45dc8df3c83c Examine the ideas that inflation reduces the value of money, including savings, that the real interest rate expresses the rate of return on savings, taking into account the effect of inflation and that the real interest rate is calculated as the nominal interest rate minus the rate of inflation. - d5ffcdda-92d1-4c1e-812c-acf7761fc86c Describe how diversifying investments in different types of financial assets can lower investment risk. - b69d5d1f-5e0e-419e-b506-26ee7c22f688 Explain that consumers who have difficulty repaying debt can seek assistance through credit counseling services and by negotiating directly with creditors. - 2bbcf769-24a6-4a8f-a7cc-060a7f25e141 Examine the benefits of natural monopolies and the purposes of government regulation of these monopolies. - AF6C75B4-CCB8-11DD-A7C8-69619DFF4B22 Discuss that banks and financial institutions sometimes compete by offering credit at low introductory rates, which increase after a set period of time or when the borrower misses a payment or makes a late payment. - 97e924b6-1300-4eb6-b2f1-670368ba234a Explain that people often apply for a mortgage to purchase a home and identify a mortgage is a type of loan that is secured by real estate property as collateral. - 0402c96b-5c3f-4a50-a69a-05d985604c24 Construct a one-year budget plan for a specific career path including expenses and construction of a credit plan for purchasing a major item. - AF69A6D6-CCB8-11DD-A7C8-69619DFF4B22 List of all Files Validated: imsmanifest.xml I_00552908-8770-32d5-9d01-9d7bc6969935_1_R/BasicLTI.xml I_005a1df5-2a78-307d-aeae-f12f4b0cc08b_1_R/BasicLTI.xml I_00d9f71b-5ef7-3bcb-9a7c-0a437c7a1721_1_R/BasicLTI.xml I_0104b073-b9a4-3d45-9f61-987d471867ed_1_R/BasicLTI.xml 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I_ff213147-7742-3035-9b51-813461fde1d0_1_R/BasicLTI.xml I_ff423555-338f-3c63-989f-00af68efdd4c_1_R/BasicLTI.xml I_ff60aae1-bb0d-3762-9388-b702911df2aa_R/BasicLTI.xml I_ff639007-6fa3-3ec3-b505-599286884a68_R/BasicLTI.xml I_ff71b10e-97ed-36e4-b2b0-b0aefe186959_1_R/BasicLTI.xml I_ff8eea02-d592-37d1-a953-eb9730d21cf6_1_R/BasicLTI.xml I_ffc6b109-b7c5-347a-b946-1712717cd734_1_R/BasicLTI.xml I_ffeb510e-cc9f-333c-a114-6f1ca56e7cae_1_R/BasicLTI.xml Title: Economics Florida Tools Glossary Welcome to the Course How to Use This Program Get a Program Overview Social Studies Reimagined: Program Foundations Use this Program with the Technology You Have BouncePages–Make Your Book Come Alive Learn about Using Pearson Realize Platform Check System Requirements Find Help Contact Tech Support Differentiated Instruction Overview Differentiating Instruction with Pearson Social Studies Differentiation for Below-Level Students Differentiation for On-Level Students Differentiation for Above-Level Students Parent Resources Letter to Parents (English) Letter to Parents (Spanish) Strategies to Support Students Using This Program (English) Strategies to Support Students Using This Program (Spanish) Parent Toolkit Authors, Consultants, and Partners Reviewers and Academic Consultants Economics FL Student Edition with Correlations Personal Finance Celebrate Florida Celebrate Florida’s Geography Celebrate Florida’s People Celebrate Florida’s Government Celebrate Florida’s Economy Curriculum Standards: Use a decision-making model to analyze a public policy issue affecting the student's community that incorporates defining a problem, analyzing the potential consequences, and considering the alternatives. Celebrate Florida’s Place in the World Florida Quest—Discussion: Deciding Whether to Cut Taxes Connect Florida Quest—Student Instructions: Deciding Whether to Cut Taxes Curriculum Standards: Use a decision-making model to analyze a public policy issue affecting the student's community that incorporates defining a problem, analyzing the potential consequences, and considering the alternatives. Florida Quest—Rubric: Deciding Whether to Cut Taxes Florida Quest—Need-to-Know Questions: Deciding Whether to Cut Taxes Florida Quest—Contract: Deciding Whether to Cut Taxes Investigate Florida Quest—Tracker: Deciding Whether to Cut Taxes Florida Quest—Information Organizer: Deciding Whether to Cut Taxes 21st Century Skill: Avoid Plagiarism: Video 21st Century Skill: Evaluate Web Sites: Video 21st Century Skill: Search for Information on the Internet: Video Synthesize and Demonstrate 21st Century Skill: Avoid Plagiarism: Quick Reference 21st Century Skill: Avoid Plagiarism: Assessment 21st Century Skill: Evaluate Web Sites: Quick Reference 21st Century Skill: Evaluate Web Sites: Assessment 21st Century Skill: Search for Information on the Internet: Quick Reference 21st Century Skill: Search for Information on the Internet: Assessment Constitution Day Resources Interactive Gallery: Interactive Declaration of Independence Celebrate Freedom: Declaration of Independence and Constitution Day Celebrate Freedom: Declaration of Independence and the Bill of Rights Celebrate Freedom: Declaration of Independence - Connect to World Events The Constitution of the United States Primary Source: Declaration of Independence Primary Source: The Pledge of Allegiance Florida: Physical Map Florida: Political Map Topic 1: Fundamentals of Economics Introduction: Fundamentals of Economics Connect My Story Video: Fundamentals of Economics Essential Question: Fundamentals of Economics Overview Activity: Fundamentals of Economics Civic Action Project: Constitutional Rights Foundation Lesson 1: Scarcity Connect Startup: Scarcity Investigate Interactive Reading Notepad Editable Presentation: Scarcity Flipped Video: Needs Versus Wants Text 1: Scarcity Means Making Choices Personal Finance Core Concepts: Your Fiscal Fitness: An Introduction Curriculum Standards: Discuss the reasons why some people have a tendency to be impatient and choose immediate spending over saving for the future. Interactive Map: Scarcity Around the World Text 2: Entrepreneurs Use Factors of Production Interactive Chart: What Kind of Business Would You Create? Text 3: All Resources Are Scarce Synthesize Synthesize: Scarcity Demonstrate Economics Core Concepts: Economics Basics Lesson Summary Curriculum Standards: Identify the factors of production and why they are necessary for the production of goods and services. Interactive Map: Scarcity Around the World Curriculum Standards: Identify the factors of production and why they are necessary for the production of goods and services. Quiz: Scarcity Curriculum Standards: Identify the factors of production and why they are necessary for the production of goods and services. Lesson 2: Opportunity Cost and Trade-Offs Connect Startup: Opportunity Cost and Trade-Offs Investigate Interactive Reading Notepad Editable Presentation: Opportunity Cost and Trade-Offs Flipped Video: Opportunity Costs Text 1: Making Decisions Interactive Gallery: Trade-Offs Text 2: Opportunity Cost Personal Finance Core Concepts: Budgeting Interactive Chart: Which Would You Choose? Text 3: Thinking at the Margin Synthesize Synthesize: Opportunity Cost and Trade-Offs Demonstrate Interactive Gallery: Trade-Offs Lesson Summary Curriculum Standards: Graph and explain how firms determine price and output through marginal cost analysis. Interactive Chart: Which Would You Choose? Quiz: Opportunity Cost and Trade-Offs Curriculum Standards: Graph and explain how firms determine price and output through marginal cost analysis. Lesson 3: Production Possibilities Curves Connect Startup: Production Possibilities Curves Investigate Interactive Reading Notepad Editable Presentation: Production Possibilities Curves Flipped Video: Trade-offs Text 1: Production Possibilities 21st Century Skill: Read Charts, Graphs, and Tables: Video Interactive Chart: Production Possibilities Text 2: Changing Production Possibilities Interactive 3-D Model: The Law of Increasing Costs Synthesize Synthesize: Production Possibilities Curves Demonstrate Interactive Chart: Production Possibilities Curriculum Standards: Analyze production possibilities curves to explain choice, scarcity, and opportunity costs. Economics Core Concepts: Economics Basics Curriculum Standards: Analyze production possibilities curves to explain choice, scarcity, and opportunity costs. Lesson Summary Curriculum Standards: Analyze production possibilities curves to explain choice, scarcity, and opportunity costs. Quiz: Production Possibilities Curves Curriculum Standards: Analyze production possibilities curves to explain choice, scarcity, and opportunity costs. 21st Century Skill: Read Charts, Graphs, and Tables: Quick Reference 21st Century Skill: Read Charts, Graphs, and Tables: Assessment Synthesize: Fundamentals of Economics Topic Test: Fundamentals of Economics Topic Test Bank: Fundamentals of Economics Topic 2: Free Enterprise and Other Economic Systems Introduction: Free Enterprise and Other Economic Systems Connect My Story Video: Leslie Bradshaw, Guiding Innovation Essential Question: Free Enterprise and Other Economic Systems Overview Activity: Free Enterprise and Other Economic Systems Quest—Discussion: Laissez Faire? Connect Quest—Student Instructions: Laissez Faire? Quest—Discussion Launch: Laissez Faire? Quest—Information Organizer: Laissez Faire? Investigate Quest—Source A: From the Meaning of Laissez Faire Human Action Quest—Source B: Laissez-Faire Capitalism Has Failed Quest—Source C: "The Libertarian Manifesto" Quest—Source D: "Venture capital didn't build that" Quest—Source Notes: Laissez Faire? 21st Century Skill: Evaluate Existing Arguments: Video 21st Century Skill: Support Ideas with Evidence: Video Synthesize and Demonstrate Quest—Discussion: Rubric 21st Century Skill: Participate in a Discussion or Debate: Video 21st Century Skill: Participate in a Discussion or Debate: Quick Reference 21st Century Skill: Participate in a Discussion or Debate: Assessment 21st Century Skill: Consider and Counter Opposing Arguments: Video 21st Century Skill: Consider & Counter Opposing Arguments: Quick Reference 21st Century Skill: Consider and Counter Opposing Arguments: Assessment 21st Century Skill: Ask Questions: Video 21st Century Skill: Ask Questions: Quick Reference 21st Century Skill: Ask Questions: Assessment 21st Century Skill: Evaluate Existing Arguments: Quick Reference 21st Century Skill: Evaluate Existing Arguments: Assessment 21st Century Skill: Support Ideas with Evidence: Quick Reference 21st Century Skill: Support Ideas with Evidence: Assessment Lesson 1: The Three Key Economic Questions Connect Startup: Three Basic Economic Questions Investigate Interactive Reading Notepad Editable Presentation: The Three Key Economic Questions Flipped Video: Answering Key Economic Questions Text 1: Three Basic Economic Questions Interactive Chart: Answering the Three Basic Economic Questions Text 2: Economic Goals of Society Synthesize Synthesize: Three Basic Economic Questions Demonstrate Economics Core Concepts: Economics Basics Curriculum Standards: Identify and explain broad economic goals. Lesson Summary Curriculum Standards: Identify and explain broad economic goals. Compare how the various economic systems (traditional, market, command, mixed) answer the questions: (1) What to produce?; (2) How to produce?; and (3) For whom to produce? Interactive Chart: Answering the Three Basic Economic Questions Quiz: Three basic economic questions Lesson 2: Free Markets Connect Startup: Free Markets Investigate Interactive Reading Notepad Editable Presentation: Free Markets Flipped Video: Competition Text 1: Why Do Markets Exist? Interactive Illustration: Specialization and Productivity Text 2: Elements of a Free Market Economy 3-D Model: The Circular Flow Model of a Market Economy Text 3: How Markets Self-Regulate 21st Century Skill: Analyze Data and Models: Video Biography: Adam Smith Interactive Gallery: The Self-Regulating Nature of the Marketplace Text 4: Advantages of a Free Market Primary Sources: The Wealth of Nations: Adam Smith Synthesize Synthesize: Free Markets Demonstrate 21st Century Skill: Analyze Data and Models: Quick Reference 21st Century Skill: Analyze Data and Models: Assessment Interactive Illustration: Specialization and Productivity Curriculum Standards: Compare how the various economic systems (traditional, market, command, mixed) answer the questions: (1) What to produce?; (2) How to produce?; and (3) For whom to produce? Lesson Summary Curriculum Standards: Compare how the various economic systems (traditional, market, command, mixed) answer the questions: (1) What to produce?; (2) How to produce?; and (3) For whom to produce? Explain ways firms engage in price and nonprice competition. Economics Core Concepts: Economic Process Curriculum Standards: Compare how the various economic systems (traditional, market, command, mixed) answer the questions: (1) What to produce?; (2) How to produce?; and (3) For whom to produce? Explain ways firms engage in price and nonprice competition. Quiz: Free Markets Curriculum Standards: Compare how the various economic systems (traditional, market, command, mixed) answer the questions: (1) What to produce?; (2) How to produce?; and (3) For whom to produce? Explain ways firms engage in price and nonprice competition. Lesson 3: Centrally Planned Economies Connect Startup: Centrally Planned Economies Investigate Interactive Reading Notepad Editable Presentation: Centrally Planned Economies Flipped Video: Case Study, China Text 1: The Features of Central Planning Interactive Chart: Comparing Economic Systems Text 2: How Socialism and Communism Differ Text 3: Two Communist Economies Interactive Gallery: Central Planning in Two Communist Systems Text 4: Disadvantages of Central Planning Synthesize Synthesize: Centrally Planned Economies Demonstrate Interactive Chart: Comparing Economic Systems Curriculum Standards: Compare how the various economic systems (traditional, market, command, mixed) answer the questions: (1) What to produce?; (2) How to produce?; and (3) For whom to produce? Economics Core Concepts: Economic Systems Curriculum Standards: Compare how the various economic systems (traditional, market, command, mixed) answer the questions: (1) What to produce?; (2) How to produce?; and (3) For whom to produce? Lesson Summary Curriculum Standards: Compare how the various economic systems (traditional, market, command, mixed) answer the questions: (1) What to produce?; (2) How to produce?; and (3) For whom to produce? Quiz: Centrally Planned Economies Curriculum Standards: Compare how the various economic systems (traditional, market, command, mixed) answer the questions: (1) What to produce?; (2) How to produce?; and (3) For whom to produce? Lesson 4: Mixed Economies Connect Startup: Mixed Economies Investigate Interactive Reading Notepad Editable Presentation: Mixed Economies Flipped Video: Mixed Economies Text 1: The Reasons for Mixed Economies Text 2: Circular Flow Model of a Mixed Economy Interactive Chart: Circular Flow Model of a Mixed Economy Text 3: The Reasons for Mixed Economies Interactive Gallery: Examining Different Economic Systems Text 4: The Economy of the United States Text 4: The Economy of the United StatesA short section of text including core content for the Lesson. Synthesize Synthesize: Mixed Economies Demonstrate Interactive Chart: Circular Flow Model of a Mixed Economy Curriculum Standards: Construct a circular flow diagram for an open-market economy including elements of households, firms, government, financial institutions, product and factor markets, and international trade. Economics Core Concepts: Economic Systems Curriculum Standards: Construct a circular flow diagram for an open-market economy including elements of households, firms, government, financial institutions, product and factor markets, and international trade. Compare how the various economic systems (traditional, market, command, mixed) answer the questions: (1) What to produce?; (2) How to produce?; and (3) For whom to produce? Lesson Summary Curriculum Standards: Compare how the various economic systems (traditional, market, command, mixed) answer the questions: (1) What to produce?; (2) How to produce?; and (3) For whom to produce? Construct a circular flow diagram for an open-market economy including elements of households, firms, government, financial institutions, product and factor markets, and international trade. Quiz: Mixed Economies Curriculum Standards: Compare how the various economic systems (traditional, market, command, mixed) answer the questions: (1) What to produce?; (2) How to produce?; and (3) For whom to produce? Construct a circular flow diagram for an open-market economy including elements of households, firms, government, financial institutions, product and factor markets, and international trade. Lesson 5: Benefits of Free Enterprise Connect Startup: Benefits of Free Enterprise Investigate Interactive Reading Notepad Editable Presentation: Benefits of Free Enterprise Flipped Video: What is Free Enterprise? Text 1: Basic Characteristics of Free Enterprise Interactive Chart: Basic Characteristics of Free Enterprise Text 2: Key Roles in the Free Enterprise System Text 3: Economic Freedom and the Constitution U.S. Constitution: Amendments 5 and 14 Text 4: The Limited Role of Government in the Marketplace Interactive Timeline: Major Federal Regulatory Agencies Synthesize Synthesize: Benefits of Free Enterprise Demonstrate Economics Core Concepts: Economic Systems Curriculum Standards: Compare how the various economic systems (traditional, market, command, mixed) answer the questions: (1) What to produce?; (2) How to produce?; and (3) For whom to produce? Examine governments establishing laws and institutions to provide consumers with information about goods or services being purchased and to protect consumers from fraud. Explain ways that government agencies supervise and regulate financial institutions to help protect the safety, soundness, and legal compliance of the nations banking and financial system. Lesson Summary Curriculum Standards: Compare how the various economic systems (traditional, market, command, mixed) answer the questions: (1) What to produce?; (2) How to produce?; and (3) For whom to produce? Examine governments establishing laws and institutions to provide consumers with information about goods or services being purchased and to protect consumers from fraud. Explain ways that government agencies supervise and regulate financial institutions to help protect the safety, soundness, and legal compliance of the nations banking and financial system. Interactive Chart: Basic Characteristics of Free Enterprise Curriculum Standards: Compare how the various economic systems (traditional, market, command, mixed) answer the questions: (1) What to produce?; (2) How to produce?; and (3) For whom to produce? Examine governments establishing laws and institutions to provide consumers with information about goods or services being purchased and to protect consumers from fraud. Explain ways that government agencies supervise and regulate financial institutions to help protect the safety, soundness, and legal compliance of the nations banking and financial system. Quiz: Benefits of Free Enterprise Curriculum Standards: Compare how the various economic systems (traditional, market, command, mixed) answer the questions: (1) What to produce?; (2) How to produce?; and (3) For whom to produce? Examine governments establishing laws and institutions to provide consumers with information about goods or services being purchased and to protect consumers from fraud. Explain ways that government agencies supervise and regulate financial institutions to help protect the safety, soundness, and legal compliance of the nations banking and financial system. Lesson 6: Supporting Economic Growth Connect Startup: Supporting Economic Growth Investigate Interactive Reading Notepad Editable Presentation: Supporting Economic Growth Flipped Video: Supporting Economic Growth Text 1: Tracking the Economy Interactive Graph: Tracking Business Cycles Text 2: Encouraging Economic Strength Text 3: Productivity and the Role of Technology Interactive Gallery: Analyzing Technology and Productivity Synthesize Synthesize: Supporting Economic Growth Demonstrate Interactive Graph: Tracking Business Cycles Curriculum Standards: Describe why an economic role for a government may exist if individuals do not have complete information about the nature of alternative investments or access to competitive financial markets. Lesson Summary Curriculum Standards: Describe why an economic role for a government may exist if individuals do not have complete information about the nature of alternative investments or access to competitive financial markets. Interactive Gallery: Analyzing Technology and Productivity Quiz: Supporting Economic Growth Curriculum Standards: Describe why an economic role for a government may exist if individuals do not have complete information about the nature of alternative investments or access to competitive financial markets. Lesson 7: Public Goods and Externalities Connect Startup: Public Goods and Externalities Investigate Interactive Reading Notepad Editable Presentation: Public Goods and Externalities Flipped Video: How the Economy Works Text 1: Public Goods Interactive Gallery: Public Goods Text 2: Market Failures Text 3: Externalities Interactive Before and After: Externalities Text 4: The Poverty Problem Synthesize Synthesize: Public Goods and Externalities Demonstrate Interactive Before and After: Externalities Curriculum Standards: Discuss the fact that, in addition to privately purchased insurance, some government benefit programs provide a social safety net to protect individuals from economic hardship created by unexpected events. Assess the economic impact of negative and positive externalities on the local, state, and national environment. Interactive Gallery: Public Goods Curriculum Standards: Discuss the fact that, in addition to privately purchased insurance, some government benefit programs provide a social safety net to protect individuals from economic hardship created by unexpected events. Assess the economic impact of negative and positive externalities on the local, state, and national environment. Lesson Summary Curriculum Standards: Discuss the fact that, in addition to privately purchased insurance, some government benefit programs provide a social safety net to protect individuals from economic hardship created by unexpected events. Assess the economic impact of negative and positive externalities on the local, state, and national environment. Quiz: Public Goods and Externalities Curriculum Standards: Discuss the fact that, in addition to privately purchased insurance, some government benefit programs provide a social safety net to protect individuals from economic hardship created by unexpected events. Assess the economic impact of negative and positive externalities on the local, state, and national environment. Synthesize: Free Enterprise and Other Economic Systems Topic Test: Free Enterprise and Other Economic Systems Topic Test Bank: Free Enterprise and Other Economic Systems Topic 3: Demand, Supply, and Prices Introduction: Demand, Supply, and Prices Connect My Story Video: Principles of Supply and Demand Essential Question: Demand, Supply, and Prices Overview Activity: Demand, Supply, and Prices Civic Action Project: Constitutional Rights Foundation Lesson 1: Fundamentals of Demand Connect Startup: Fundamentals of Demand Investigate Interactive Reading Notepad Editable Presentation: Fundamentals of Demand Flipped Video: What is Demand? Text 1: Demand Interactive Chart: Demand in Action Text 2: The Demand Schedule 21st Century Skill: Create Charts and Maps: Video Text 3: The Demand Graph Interactive Chart: Interpreting a Demand Schedule and Graph Synthesize Synthesize: Fundamentals of Demand Demonstrate Lesson Summary Curriculum Standards: Define supply, demand, quantity supplied,and quantity demanded; graphically illustrate situations that would cause changes in each, and demonstrate how the equilibrium price of a product is determined by the interaction of supply and demand in the market place. Interactive Chart: Demand in Action Curriculum Standards: Define supply, demand, quantity supplied,and quantity demanded; graphically illustrate situations that would cause changes in each, and demonstrate how the equilibrium price of a product is determined by the interaction of supply and demand in the market place. Interactive Chart: Interpreting a Demand Schedule and Graph Curriculum Standards: Define supply, demand, quantity supplied,and quantity demanded; graphically illustrate situations that would cause changes in each, and demonstrate how the equilibrium price of a product is determined by the interaction of supply and demand in the market place. Quiz: Fundamentals of Demand Curriculum Standards: Define supply, demand, quantity supplied,and quantity demanded; graphically illustrate situations that would cause changes in each, and demonstrate how the equilibrium price of a product is determined by the interaction of supply and demand in the market place. 21st Century Skill: Create Charts and Maps: Quick Reference 21st Century Skill: Create Charts and Maps: Assessment Lesson 2: Shifts in Demand Connect Startup: Shifts in Demand Investigate Interactive Reading Notepad Editable Presentation: Shifts in Demand Flipped Video: Shifts in Demand Text 1: Changes in Demand Interactive Graph: Graphing Changes in Demand Text 2: The Non-Price Determinants of Demand Interactive Gallery: Non-Price Determinants That Influence Demand Synthesize Synthesize: Shifts in Demand Demonstrate Lesson Summary Curriculum Standards: Define supply, demand, quantity supplied,and quantity demanded; graphically illustrate situations that would cause changes in each, and demonstrate how the equilibrium price of a product is determined by the interaction of supply and demand in the market place. Interactive Gallery: Non-Price Determinants That Influence Demand Curriculum Standards: Define supply, demand, quantity supplied,and quantity demanded; graphically illustrate situations that would cause changes in each, and demonstrate how the equilibrium price of a product is determined by the interaction of supply and demand in the market place. Interactive Graph: Graphing Changes in Demand Curriculum Standards: Define supply, demand, quantity supplied,and quantity demanded; graphically illustrate situations that would cause changes in each, and demonstrate how the equilibrium price of a product is determined by the interaction of supply and demand in the market place. Quiz: Shifts in Demand Curriculum Standards: Define supply, demand, quantity supplied,and quantity demanded; graphically illustrate situations that would cause changes in each, and demonstrate how the equilibrium price of a product is determined by the interaction of supply and demand in the market place. Lesson 3: Elasticity of Demand Connect Startup: Elasticity of Demand Investigate Interactive Reading Notepad Editable Presentation: Elasticity of Demand Flipped Video: Elasticity of Demand Text 1: Elasticity Defined Interactive Graph: Understanding Elastic and Inelastic Demand Interactive Graph: Understanding Elastic and Inelastic DemandA multilayer that allows students to explore key ideas from the Lesson Text 2: Factors Affecting Elasticity Interactive Gallery: Factors That Affect Elasticity of Demand Text 3: How Elasticity Affects Revenue Synthesize Synthesize: Elasticity of Demand Demonstrate Lesson Summary Curriculum Standards: Define supply, demand, quantity supplied,and quantity demanded; graphically illustrate situations that would cause changes in each, and demonstrate how the equilibrium price of a product is determined by the interaction of supply and demand in the market place. Interactive Graph: Understanding Elastic and Inelastic Demand Interactive Graph: Understanding Elastic and Inelastic DemandAn activity that allows students to explore key ideas from the Lesson. Curriculum Standards: Define supply, demand, quantity supplied,and quantity demanded; graphically illustrate situations that would cause changes in each, and demonstrate how the equilibrium price of a product is determined by the interaction of supply and demand in the market place. Interactive Gallery: Factors That Affect Elasticity of Demand Curriculum Standards: Define supply, demand, quantity supplied,and quantity demanded; graphically illustrate situations that would cause changes in each, and demonstrate how the equilibrium price of a product is determined by the interaction of supply and demand in the market place. Interactive Chart: Interpreting a Supply Schedule and Graph Curriculum Standards: Define supply, demand, quantity supplied,and quantity demanded; graphically illustrate situations that would cause changes in each, and demonstrate how the equilibrium price of a product is determined by the interaction of supply and demand in the market place. Interactive Chart: Understanding Elasticity and Inelasticity of Supply Curriculum Standards: Define supply, demand, quantity supplied,and quantity demanded; graphically illustrate situations that would cause changes in each, and demonstrate how the equilibrium price of a product is determined by the interaction of supply and demand in the market place. Quiz: Elasticity of Demand Curriculum Standards: Define supply, demand, quantity supplied,and quantity demanded; graphically illustrate situations that would cause changes in each, and demonstrate how the equilibrium price of a product is determined by the interaction of supply and demand in the market place. Lesson 4: Fundamentals of Supply Connect Startup: Fundamentals of Supply Investigate Interactive Reading Notepad Editable Presentation: Fundamentals of Supply Flipped Video: The Law of Supply Text 1: The Effect of Price on Supply Text 2: Understanding Supply Schedules Interactive Chart: Interpreting a Supply Schedule and Graph Text 3: Elasticity of Supply Interactive Chart: Understanding Elasticity and Inelasticity of Supply Synthesize Synthesize: Fundamentals of Supply Demonstrate Interactive Chart: Understanding Elasticity and Inelasticity of Supply Curriculum Standards: Define supply, demand, quantity supplied,and quantity demanded; graphically illustrate situations that would cause changes in each, and demonstrate how the equilibrium price of a product is determined by the interaction of supply and demand in the market place. Lesson Summary Curriculum Standards: Define supply, demand, quantity supplied,and quantity demanded; graphically illustrate situations that would cause changes in each, and demonstrate how the equilibrium price of a product is determined by the interaction of supply and demand in the market place. Interactive Chart: Interpreting a Supply Schedule and Graph Curriculum Standards: Define supply, demand, quantity supplied,and quantity demanded; graphically illustrate situations that would cause changes in each, and demonstrate how the equilibrium price of a product is determined by the interaction of supply and demand in the market place. Quiz: Fundamentals of Supply Curriculum Standards: Define supply, demand, quantity supplied,and quantity demanded; graphically illustrate situations that would cause changes in each, and demonstrate how the equilibrium price of a product is determined by the interaction of supply and demand in the market place. Lesson 5: Costs of Production Connect Startup: Costs of Production Investigate Interactive Reading Notepad Editable Presentation: Costs of Production Flipped Video: Marginal Changes Text 1: Labor and Output Interactive Graph: Changes in Marginal Returns Interactive Graph: Changes in Marginal ReturnsA multilayer that allows students to explore key ideas from the Lesson. Text 2: Production Costs Interactive Illustration: Fixed, Variable, and Total Costs Text 3: Setting Output Interactive Chart: Understanding Production Costs Synthesize Synthesize: Costs of Production Demonstrate Lesson Summary Curriculum Standards: Graph and explain how firms determine price and output through marginal cost analysis. Interactive Chart: Understanding Production Costs Curriculum Standards: Graph and explain how firms determine price and output through marginal cost analysis. Interactive Illustration: Fixed, Variable, and Total Costs Curriculum Standards: Graph and explain how firms determine price and output through marginal cost analysis. Quiz: Costs of Production Curriculum Standards: Graph and explain how firms determine price and output through marginal cost analysis. Lesson 6: Changes in Supply Connect Startup: Changes in Supply Investigate Interactive Reading Notepad Editable Presentation: Changes in Supply Flipped Video: Change in Supply Text 1: Input Costs and Changes in Supply Text 2: Government Policies and Changes in Supply Text 3: Other Non-Price Determinants That Create Changes in Supply Interactive Gallery: Non-Price Determinants That Influence Supply Text 4: Deciding Where to Locate Synthesize Synthesize: Changes in Supply Demonstrate Lesson Summary Curriculum Standards: Define supply, demand, quantity supplied,and quantity demanded; graphically illustrate situations that would cause changes in each, and demonstrate how the equilibrium price of a product is determined by the interaction of supply and demand in the market place. Graph and explain how firms determine price and output through marginal cost analysis. Interactive Gallery: Non-Price Determinants That Influence Supply Curriculum Standards: Define supply, demand, quantity supplied,and quantity demanded; graphically illustrate situations that would cause changes in each, and demonstrate how the equilibrium price of a product is determined by the interaction of supply and demand in the market place. Quiz: Changes in Supply Curriculum Standards: Define supply, demand, quantity supplied,and quantity demanded; graphically illustrate situations that would cause changes in each, and demonstrate how the equilibrium price of a product is determined by the interaction of supply and demand in the market place. Graph and explain how firms determine price and output through marginal cost analysis. Lesson 7: Equilibrium and Price Controls Connect Startup: Equilibrium and Price Controls Investigate Interactive Reading Notepad Editable Presentation: Equilibrium and Price Controls Flipped Video: Equilibrium and Disequilibrium Text 1: Achieving Equilibrium Interactive Chart: Interpreting a Supply and Demand Schedule and Graph Text 2: Effects of Disequilibrium Interactive Graph: Understanding Price, Shortage, and Surplus Interactive Graph: Understanding Price, Shortage, and SurplusA multilayer that allows students to explore key ideas from the Lesson. Text 3: Price Ceilings Text 4: Price Floors Synthesize Synthesize: Equilibrium and Price Controls Demonstrate Lesson Summary Curriculum Standards: Define supply, demand, quantity supplied,and quantity demanded; graphically illustrate situations that would cause changes in each, and demonstrate how the equilibrium price of a product is determined by the interaction of supply and demand in the market place. Graph and explain how firms determine price and output through marginal cost analysis. Diagram and explain the problems that occur when government institutes wage and price controls, and explain the rationale for these controls. Interactive Graph: Understanding Price, Shortage, and Surplus Interactive Graph: Understanding Price, Shortage, and SurplusAn activity that allows students to explore key ideas from the Lesson. Curriculum Standards: Define supply, demand, quantity supplied,and quantity demanded; graphically illustrate situations that would cause changes in each, and demonstrate how the equilibrium price of a product is determined by the interaction of supply and demand in the market place. Graph and explain how firms determine price and output through marginal cost analysis. Interactive Chart: Interpreting a Supply and Demand Schedule and Graph Curriculum Standards: Define supply, demand, quantity supplied,and quantity demanded; graphically illustrate situations that would cause changes in each, and demonstrate how the equilibrium price of a product is determined by the interaction of supply and demand in the market place. Graph and explain how firms determine price and output through marginal cost analysis. Quiz: Equilibrium and Price Controls Curriculum Standards: Define supply, demand, quantity supplied,and quantity demanded; graphically illustrate situations that would cause changes in each, and demonstrate how the equilibrium price of a product is determined by the interaction of supply and demand in the market place. Graph and explain how firms determine price and output through marginal cost analysis. Diagram and explain the problems that occur when government institutes wage and price controls, and explain the rationale for these controls. Lesson 8: Changes in Market Equilibrium Connect Startup: Changes in Market Equilibrium Investigate Interactive Reading Notepad Editable Presentation: Changes in Market Equilibrium Flipped Video: Market Equilibrium Text 1: Tending Toward Equilibrium Text 2: Increasing Supply Text 3: Decreasing Supply Text 4: Increasing Demand Interactive Graph: Analyzing Change in Demand Interactive Graph: Analyzing Change in DemandA multilayer that allows students to explore key ideas from the Lesson Text 5: Decreasing Demand Interactive Gallery: From Shortage to Equilibrium Synthesize Synthesize: Changes in Market Equilibrium Demonstrate Lesson Summary Curriculum Standards: Define supply, demand, quantity supplied,and quantity demanded; graphically illustrate situations that would cause changes in each, and demonstrate how the equilibrium price of a product is determined by the interaction of supply and demand in the market place. Interactive Graph: Analyzing Change in Demand Interactive Graph: Analyzing Change in DemandAn activity that allows students to explore key ideas from the Lesson. Curriculum Standards: Define supply, demand, quantity supplied,and quantity demanded; graphically illustrate situations that would cause changes in each, and demonstrate how the equilibrium price of a product is determined by the interaction of supply and demand in the market place. Interactive Gallery: From Shortage to Equilibrium Curriculum Standards: Define supply, demand, quantity supplied,and quantity demanded; graphically illustrate situations that would cause changes in each, and demonstrate how the equilibrium price of a product is determined by the interaction of supply and demand in the market place. Quiz: Changes in Market Equilibrium Curriculum Standards: Define supply, demand, quantity supplied,and quantity demanded; graphically illustrate situations that would cause changes in each, and demonstrate how the equilibrium price of a product is determined by the interaction of supply and demand in the market place. Lesson 9: Prices at Work Connect Startup: Prices at Work Investigate Interactive Reading Notepad Editable Presentation: Prices at Work Flipped Video: Prices at Work Text 1: The Price System Text 2: The Benefits of the Price System Text 3: Choice and Efficiency Curriculum Standards: Analyze situations in which when people consume goods and services, their consumption can have positive and negative effects on others. Interactive Gallery: Rationing and Black Markets Text 4: Prices and the Profit Incentive Biography: Adam Smith Interactive Chart: Describing Advantages of the Price System Synthesize Synthesize: Prices at Work Demonstrate Lesson Summary Curriculum Standards: Define supply, demand, quantity supplied,and quantity demanded; graphically illustrate situations that would cause changes in each, and demonstrate how the equilibrium price of a product is determined by the interaction of supply and demand in the market place. Compare consumer decisions as they are influenced by the price of a good or service, the price of alternatives, and the consumers income as well as his or her preferences. Describe ways that consumers may be influenced by how the price of a good is expressed. Diagram and explain the problems that occur when government institutes wage and price controls, and explain the rationale for these controls. Interactive Chart: Describing Advantages of the Price System Curriculum Standards: Define supply, demand, quantity supplied,and quantity demanded; graphically illustrate situations that would cause changes in each, and demonstrate how the equilibrium price of a product is determined by the interaction of supply and demand in the market place. Compare consumer decisions as they are influenced by the price of a good or service, the price of alternatives, and the consumers income as well as his or her preferences. Describe ways that consumers may be influenced by how the price of a good is expressed. Interactive Gallery: Rationing and Black Markets Curriculum Standards: Diagram and explain the problems that occur when government institutes wage and price controls, and explain the rationale for these controls. Quiz: Prices at Work Curriculum Standards: Define supply, demand, quantity supplied,and quantity demanded; graphically illustrate situations that would cause changes in each, and demonstrate how the equilibrium price of a product is determined by the interaction of supply and demand in the market place. Compare consumer decisions as they are influenced by the price of a good or service, the price of alternatives, and the consumers income as well as his or her preferences. Describe ways that consumers may be influenced by how the price of a good is expressed. Diagram and explain the problems that occur when government institutes wage and price controls, and explain the rationale for these controls. Synthesize: Demand, Supply, and Prices Topic Test: Demand, Supply, and Prices Topic Test Bank: Demand, Supply, and Prices Topic 4: Competition and Market Structures Introduction: Competition and Market Structures Connect My Story Video: Andrew Carnegie, The Law of Competition Essential Question: Competition and Market Structures Overview Activity: Competition and Market Structures Quest—DBQ: Microsoft Antitrust Lawsuit Connect Quest—Student Instructions: Microsoft Antitrust Lawsuit Quest—Need-to-Know Questions: Microsoft Antitrust Lawsuit Investigate Document A: The U.S. Government's Antitrust Complaint Against Microsoft Document B: Statement by a Microsoft Official Document C: An Open Letter from Economists to President Clinton Document D: Political Cartoon: Conference Room Document E: End of an Era: Microsoft Antitrust Oversight Ends Document F: Changes in the Internet Browser Market 21st Century Skill: Analyze Primary and Secondary Sources: Video Synthesize and Demonstrate Rubric: Assessing a Written Report 21st Century Skill: Write an Essay: Video 21st Century Skill: Write an Essay: Quick Reference 21st Century Skill: Write an Essay: Assessment 21st Century Skill: Avoid Plagiarism: Video 21st Century Skill: Avoid Plagiarism: Quick Reference 21st Century Skill: Avoid Plagiarism: Assessment 21st Century Skill: Analyze Primary and Secondary Sources: Quick Reference 21st Century Skill: Analyze Primary and Secondary Sources: Assessment Lesson 1: Pure Competition Connect Startup: Pure Competition Investigate Interactive Reading Notepad Editable Presentation: Pure Competition Flipped Video: What is Perfect Competition? Text 1: Conditions for Pure Competition Interactive Chart: Characteristics of Competition Text 2: Barriers to Entry and Competition Interactive Chart: Starting a Business Text 3: Price, Output, and Purely Competitive Markets Synthesize Synthesize: Pure Competition Demonstrate Economics Core Concepts: Economic Process Curriculum Standards: Compare the basic characteristics of the four market structures (monopoly, oligopoly, monopolistic competition, pure competition). Lesson Summary Curriculum Standards: Compare the basic characteristics of the four market structures (monopoly, oligopoly, monopolistic competition, pure competition). Interactive Chart: Characteristics of Competition Curriculum Standards: Compare the basic characteristics of the four market structures (monopoly, oligopoly, monopolistic competition, pure competition). Quiz: Pure Competition Curriculum Standards: Compare the basic characteristics of the four market structures (monopoly, oligopoly, monopolistic competition, pure competition). Lesson 2: Monopolies Connect Startup: Monopolies Investigate Interactive Reading Notepad Editable Presentation: Monopolies Flipped Video: How Monopolies Form Text 1: Characteristics of a Monopoly Interactive Gallery: Analyzing Monopolies in America Text 2: The Role of Government Text 3: Output Decisions Interactive Graph: How Monopolies Set Output and Price Text 4: Price Discrimination Synthesize Synthesize: Monopolies Demonstrate Interactive Graph: How Monopolies Set Output and Price Curriculum Standards: Compare the basic characteristics of the four market structures (monopoly, oligopoly, monopolistic competition, pure competition). Lesson Summary Curriculum Standards: Compare the basic characteristics of the four market structures (monopoly, oligopoly, monopolistic competition, pure competition). Examine the benefits of natural monopolies and the purposes of government regulation of these monopolies. Interactive Gallery: Analyzing Monopolies in America Curriculum Standards: Compare the basic characteristics of the four market structures (monopoly, oligopoly, monopolistic competition, pure competition). Examine the benefits of natural monopolies and the purposes of government regulation of these monopolies. Quiz: Monopolies Curriculum Standards: Compare the basic characteristics of the four market structures (monopoly, oligopoly, monopolistic competition, pure competition). Examine the benefits of natural monopolies and the purposes of government regulation of these monopolies. Lesson 3: Monopolistic Competition and Oligopoly Connect Startup: Monopolistic Competition and Oligopoly Investigate Interactive Reading Notepad Editable Presentation: Monopolistic Competition and Oligopoly Flipped Video: Monopolistic Competition Text 1: Characteristics of Monopolistic Competition Text 2: Non-price Competition Interactive Gallery: Non-price Competition Text 3: Prices, Output, and Profits Text 4: Characteristics of Oligopoly Interactive Illustration: Comparing Types of Competition Synthesize Synthesize: Monopolistic Competition and Oligopoly Demonstrate Lesson Summary Curriculum Standards: Compare the basic characteristics of the four market structures (monopoly, oligopoly, monopolistic competition, pure competition). Explain ways firms engage in price and nonprice competition. Interactive Gallery: Non-price Competition Curriculum Standards: Compare the basic characteristics of the four market structures (monopoly, oligopoly, monopolistic competition, pure competition). Explain ways firms engage in price and nonprice competition. Interactive Illustration: Comparing Types of Competition Curriculum Standards: Compare the basic characteristics of the four market structures (monopoly, oligopoly, monopolistic competition, pure competition). Explain ways firms engage in price and nonprice competition. Quiz: Monopolistic Competition and Oligopoly Curriculum Standards: Compare the basic characteristics of the four market structures (monopoly, oligopoly, monopolistic competition, pure competition). Explain ways firms engage in price and nonprice competition. Lesson 4: Government Regulation and Competition Connect Startup: Government Regulation and Competition Investigate Interactive Reading Notepad Editable Presentation: Government Regulation and Competition Flipped Video: Government Regulation Text 1: Government and Competition Interactive Cartoon: Analyzing a Monopoly Cartoon Text 2: Deregulation Biography: Theodore Roosevelt Interactive Timeline: The History of AT&T Synthesize Synthesize: Government Regulation and Competition 21st Century Skill: Give an Effective Presentation: Video Demonstrate Lesson Summary Curriculum Standards: Compare the basic characteristics of the four market structures (monopoly, oligopoly, monopolistic competition, pure competition). Identify and explain broad economic goals. Diagram and explain the problems that occur when government institutes wage and price controls, and explain the rationale for these controls. Interactive Timeline: The History of AT&T Curriculum Standards: Compare the basic characteristics of the four market structures (monopoly, oligopoly, monopolistic competition, pure competition). Identify and explain broad economic goals. Diagram and explain the problems that occur when government institutes wage and price controls, and explain the rationale for these controls. Quiz: Government Regulation and Competition Curriculum Standards: Compare the basic characteristics of the four market structures (monopoly, oligopoly, monopolistic competition, pure competition). Identify and explain broad economic goals. Diagram and explain the problems that occur when government institutes wage and price controls, and explain the rationale for these controls. 21st Century Skill: Give an Effective Presentation: Quick Reference 21st Century Skill: Give an Effective Presentation: Assessment Synthesize: Competition and Market Structures Topic Test: Competition and Market Structures Topic Test Bank: Competition and Market Structures Topic 5: Business and Labor Introduction: Business and Labor Connect My Story Video: Melissa Grows a Business Essential Question: Business and Labor Overview Activity: Business and Labor Civic Action Project: Constitutional Rights Foundation Lesson 1: Sole Proprietorships Connect Startup: Sole Proprietorships Investigate Interactive Reading Notepad Editable Presentation: Sole Proprietorships Flipped Video: What Are Sole Proprietorships? Text 1: The Role of Sole Proprietorships Personal Finance Core Concepts: Risk Management Curriculum Standards: Analyze how judgment regarding risky events is subject to errors because people tend to overestimate the probability of infrequent events, often because theyve heard of or seen a recent example. Describe why people choose different amounts of insurance coverage based on their willingness to accept risk, as well as their occupation, lifestyle, age, financial profile, and the price of insurance. Explain that people may be required by governments or by certain types of contracts (e.g., home mortgages) to purchase some types of insurance. Describe how an insurance contract can increase the probability or size of a potential loss because having the insurance results in the person taking more risks, and that policy features such as deductibles and copayments are cost-sharing features that encourage the policyholder to take steps to reduce the potential size of a loss (claim). Explain that people can lower insurance premiums by behaving in ways that show they pose a lower risk. Compare the purposes of various types of insurance, including that health insurance provides for funds to pay for health care in the event of illness and may also pay for the cost of preventative care; disability insurance is income insurance that provides funds to replace income lost while an individual is ill or injured and unable to work; property and casualty insurance pays for damage or loss to the insureds property; life insurance benefits are paid to the insureds beneficiaries in the event of the policyholders death. Interactive Gallery: Looking at Sole Proprietorships Text 2: Advantages of Sole Proprietorships Text 3: Disadvantages of Sole Proprietorships Personal Finance Core Concepts: Consumer Smarts Curriculum Standards: Evaluate ways people can make more informed education, job, or career decisions by evaluating the benefits and costs of different choices. Discuss that when buying a good, consumers may consider various aspects of the product including the products features. Explain why for goods that last for a longer period of time, the consumer should consider the products durability and maintenance costs. Discuss ways people incur costs and realize benefits when searching for information related to their purchases of goods and services and describe how the amount of information people should gather depends on the benefits and costs of the information. Explain that people often apply for a mortgage to purchase a home and identify a mortgage is a type of loan that is secured by real estate property as collateral. Explain that loss of assets, wealth, and future opportunities can occur if an individuals personal information is obtained by others through identity theft and then used fraudulently, and that by managing their personal information and choosing the environment in which it is revealed, individuals can accept, reduce, and insure against the risk of loss due to identity theft. Compare federal and state regulations that provide some remedies and assistance for victims of identity theft. Interactive Chart: Analyzing Sole Proprietorships Synthesize Synthesize: Sole Proprietorships Demonstrate Lesson Summary Curriculum Standards: Compare different forms of business organizations. Interactive Chart: Analyzing Sole Proprietorships Curriculum Standards: Compare different forms of business organizations. Interactive Gallery: Looking at Sole Proprietorships Curriculum Standards: Compare different forms of business organizations. Quiz: Sole Proprietorships Curriculum Standards: Compare different forms of business organizations. Lesson 2: Partnerships and Franchises Connect Startup: Partnerships and Franchises Investigate Interactive Reading Notepad Editable Presentation: Partnerships and Franchises Flipped Video: Partnerships Text 1: The Characteristics of Partnerships Text 2: Advantages of Partnerships Text 3: Disadvantages of Partnerships Interactive Chart: Analyzing Partnerships Text 4: The Franchise Alternative Interactive Illustration: Understanding Business Franchises Synthesize Synthesize: Partnerships and Franchises Demonstrate Lesson Summary Curriculum Standards: Compare different forms of business organizations. Interactive Chart: Analyzing Partnerships Curriculum Standards: Compare different forms of business organizations. Interactive Illustration: Understanding Business Franchises Curriculum Standards: Compare different forms of business organizations. Quiz: Partnerships and Franchises Curriculum Standards: Compare different forms of business organizations. Lesson 3: Corporations Connect Startup: Corporations Investigate Interactive Reading Notepad Editable Presentation: Corporations Flipped Video: The Corporation Text 1: The Characteristics of Corporations Text 2: Advantages of Incorporation Text 3: Disadvantages of Incorporation Curriculum Standards: Compare the ways that federal, state, and local tax rates vary on different types of investments. Describe the taxes effect on the after-tax rate of return of an investment. Interactive Chart: Analyzing the Corporate Form of Ownership Text 4: Corporate Mergers Interactive Illustration: Understanding Vertical Integration Text 5: Multinational Corporations Synthesize Synthesize: Corporations Demonstrate Lesson Summary Curriculum Standards: Compare different forms of business organizations. Interactive Chart: Analyzing the Corporate Form of Ownership Curriculum Standards: Compare different forms of business organizations. Interactive Illustration: Understanding Vertical Integration Curriculum Standards: Compare different forms of business organizations. Quiz: Corporations Curriculum Standards: Compare different forms of business organizations. Lesson 4: Nonprofit Organizations Connect Startup: Nonprofit Organizations Investigate Interactive Reading Notepad Editable Presentation: Nonprofit Organizations Flipped Video: Nonprofit Organizations Text 1: Cooperatives Interactive Chart: Describing Types of Cooperatives Text 2: Nonprofits Interactive Gallery: Understanding Nonprofit Organizations Synthesize Synthesize: Nonprofit Organizations Demonstrate Lesson Summary Curriculum Standards: Compare different forms of business organizations. Interactive Chart: Describing Types of Cooperatives Curriculum Standards: Compare different forms of business organizations. Interactive Gallery: Understanding Nonprofit Organizations Curriculum Standards: Compare different forms of business organizations. Quiz: Nonprofit Organizations Curriculum Standards: Compare different forms of business organizations. Lesson 5: The Labor Force Connect Startup: The Labor Force Investigate Interactive Reading Notepad Editable Presentation: The Labor Force Flipped Video: Labor Text 1: Tracking the Labor Force 21st Century Skill: Analyze Data and Models: Video Text 2: Occupational Trends Interactive Gallery: Comparing Jobs in a Changing Economy Text 3: The Changing Labor Force Interactive Graph: Analyzing Data About Women at Work Text 4: Wages and Benefits Trends 21st Century Skill: Read Charts, Graphs, and Tables: Video Synthesize Synthesize: The Labor Force Demonstrate Lesson Summary Curriculum Standards: Describe how the earnings of workers are determined. Analyze the reasons why the wage or salary paid to workers in jobs is usually determined by the labor market and that businesses are generally willing to pay more productive workers higher wages or salaries than less productive workers. Discuss reasons why changes in economic conditions or the labor market can cause changes in a workers income or may cause unemployment. Interactive Gallery: Comparing Jobs in a Changing Economy Curriculum Standards: Describe how the earnings of workers are determined. Quiz: The Labor Force Curriculum Standards: Describe how the earnings of workers are determined. Analyze the reasons why the wage or salary paid to workers in jobs is usually determined by the labor market and that businesses are generally willing to pay more productive workers higher wages or salaries than less productive workers. Discuss reasons why changes in economic conditions or the labor market can cause changes in a workers income or may cause unemployment. 21st Century Skill: Analyze Data and Models: Quick Reference 21st Century Skill: Analyze Data and Models: Assessment 21st Century Skill: Read Charts, Graphs, and Tables: Quick Reference 21st Century Skill: Read Charts, Graphs, and Tables: Assessment Lesson 6: Labor and Wages Connect Startup: Labor and Wages Investigate Interactive Reading Notepad Editable Presentation: Labor and Wages Flipped Video: Supply and Demand for Labor Text 1: Supply, Demand, and the Labor Market Interactive Graph: Determining the Equilibrium Wage Text 2: Labor and Skills Text 3: Discrimination in the Labor Market Text 4: Additional Factors Affecting Wages Personal Finance Core Concepts: After High School Curriculum Standards: Discuss that people choose jobs or careers for which they are qualified based on non-income factors, such as job satisfaction, independence, risk, family, or location. Explain that people vary in their willingness to obtain more education or training because these decisions involve incurring immediate costs to obtain possible future benefits. Describe how discounting the future benefits of education and training may lead some people to pass up potentially high rates of return that more education and training may offer. Evaluate ways people can make more informed education, job, or career decisions by evaluating the benefits and costs of different choices. Interactive Gallery: Exploring Factors Affecting Wages Synthesize Synthesize: Labor and Wages Demonstrate Lesson Summary Curriculum Standards: Describe how the earnings of workers are determined. Analyze the reasons why the wage or salary paid to workers in jobs is usually determined by the labor market and that businesses are generally willing to pay more productive workers higher wages or salaries than less productive workers. Discuss reasons why changes in economic conditions or the labor market can cause changes in a workers income or may cause unemployment. Interactive Gallery: Exploring Factors Affecting Wages Curriculum Standards: Describe how the earnings of workers are determined. Analyze the reasons why the wage or salary paid to workers in jobs is usually determined by the labor market and that businesses are generally willing to pay more productive workers higher wages or salaries than less productive workers. Discuss reasons why changes in economic conditions or the labor market can cause changes in a workers income or may cause unemployment. Interactive Graph: Determining the Equilibrium Wage Curriculum Standards: Describe how the earnings of workers are determined. Analyze the reasons why the wage or salary paid to workers in jobs is usually determined by the labor market and that businesses are generally willing to pay more productive workers higher wages or salaries than less productive workers. Quiz: Labor and Wages Curriculum Standards: Describe how the earnings of workers are determined. Analyze the reasons why the wage or salary paid to workers in jobs is usually determined by the labor market and that businesses are generally willing to pay more productive workers higher wages or salaries than less productive workers. Discuss reasons why changes in economic conditions or the labor market can cause changes in a workers income or may cause unemployment. Lesson 7: Labor Unions Connect Startup: Labor Unions Investigate Interactive Reading Notepad Editable Presentation: Labor Unions Flipped Video: Unions Text 1: Organized Labor Text 2: The History of the Labor Movement Text 3: The Decline in Labor Union Membership Interactive Chart: Analyzing the Decline of Labor Unions Text 4: Labor and Management Interactive Illustration: Collective Bargaining in Action Synthesize Synthesize: Labor Unions Demonstrate Lesson Summary Curriculum Standards: Research contributions of entrepreneurs, inventors, and other key individuals from various gender, social, and ethnic backgrounds in the development of the United States. Describe how the earnings of workers are determined. Interactive Chart: Analyzing the Decline of Labor Unions Curriculum Standards: Research contributions of entrepreneurs, inventors, and other key individuals from various gender, social, and ethnic backgrounds in the development of the United States. Interactive Illustration: Collective Bargaining in Action Curriculum Standards: Describe how the earnings of workers are determined. Quiz: Labor Unions Curriculum Standards: Research contributions of entrepreneurs, inventors, and other key individuals from various gender, social, and ethnic backgrounds in the development of the United States. Describe how the earnings of workers are determined. Synthesize: Business and Labor Topic Test: Business and Labor Topic Test Bank: Business and Labor Topic 6: Money, Banking, and Financial Markets Introduction: Money, Banking, and Financial Markets Connect My Story Video: Warren Buffet, Investing for Value Essential Question: Money, Banking, and Financial Markets Overview Activity: Money, Banking, and Financial Markets Quest—Discussion: Reinstate Glass-Steagall? Connect Quest—Discussion Launch: Reinstate Glass-Steagall? Quest—Information Organizer: Reinstate Glass-Steagall? Student Instructions Investigate Quest—Source A: "Warren Joins McCain to Push New Glass-Steagall Law for Banks" Quest—Source B: "Senator Warren's Glass-Steagall Obsession" Quest—Source C: "Bring Back Glass-Steagall" Quest—Source D: "'Repeal' of Glass-Steagall Irrelevant to Financial Crisis" Quest—Source E: "Why I was won over by Glass-Steagall" Quest—Source Notes: Reinstate Glass-Steagall? 21st Century Skill: Evaluate Web Sites: Video 21st Century Skill: Support Ideas with Evidence: Video Synthesize and Demonstrate Quest—Rubric: Reinstate Glass-Steagall? 21st Century Skill: Participate in a Discussion or Debate: Video 21st Century Skill: Participate in a Discussion or Debate: Quick Reference 21st Century Skill: Participate in a Discussion or Debate: Assessment 21st Century Skill: Consider and Counter Opposing Arguments: Video 21st Century Skill: Consider & Counter Opposing Arguments: Quick Reference 21st Century Skill: Consider and Counter Opposing Arguments: Assessment 21st Century Skill: Ask Questions: Video 21st Century Skill: Ask Questions: Quick Reference 21st Century Skill: Ask Questions: Assessment 21st Century Skill: Evaluate Web Sites: Quick Reference 21st Century Skill: Evaluate Web Sites: Assessment 21st Century Skill: Support Ideas with Evidence: Quick Reference 21st Century Skill: Support Ideas with Evidence: Assessment Lesson 1: The Role of Money Connect Startup: Cash or Barter? Investigate Interactive Reading Notepad Editable Presentation: The Role of Money Flipped Video: Money Text 1: The Three Uses of Money Interactive Before and After: Comparing Barter and Money Text 2: The Six Characteristics of Money Interactive Gallery: Investigating the Six Characteristics of Money Text 3: Sources of Money's Value Synthesize Synthesize: The Role of Money Demonstrate Lesson Summary Curriculum Standards: Explain the basic functions and characteristics of money, and describe the composition of the money supply in the United States. Interactive Gallery: Investigating the Six Characteristics of Money Curriculum Standards: Explain the basic functions and characteristics of money, and describe the composition of the money supply in the United States. Interactive Before and After: Comparing Barter and Money Curriculum Standards: Explain the basic functions and characteristics of money, and describe the composition of the money supply in the United States. Quiz: The Role of Money Curriculum Standards: Explain the basic functions and characteristics of money, and describe the composition of the money supply in the United States. Lesson 2: Changes in American Banking Connect Startup: Changes in American Banking Investigate Interactive Reading Notepad Editable Presentation: Changes in American Banking Flipped Video: Banking Text 1: American Banking Before the Civil War Interactive Timeline: Important Events in Banking History Text 2: Stability in the Later 1800s Text 3: Banking in the Early 1900s Text 4: Two Crises for Banking Personal Finance Core Concepts: Checking Interactive Gallery: Analyzing the Financial Crisis of 2008 Primary Sources: Opinion on the Constitutionality of a National Bank: Thomas Jefferson Primary Sources: Opinion as to the Constitutionality of the Bank of the United States: Alexander Hamilton Synthesize Synthesize: Changes in American Banking Demonstrate Lesson Summary Curriculum Standards: Research contributions of entrepreneurs, inventors, and other key individuals from various gender, social, and ethnic backgrounds in the development of the United States. Describe the organization and functions of the Federal Reserve System. Interactive Gallery: Analyzing the Financial Crisis of 2008 Interactive Timeline: Important Events in Banking History Curriculum Standards: Research contributions of entrepreneurs, inventors, and other key individuals from various gender, social, and ethnic backgrounds in the development of the United States. Describe the organization and functions of the Federal Reserve System. Quiz: Changes in American Banking Curriculum Standards: Research contributions of entrepreneurs, inventors, and other key individuals from various gender, social, and ethnic backgrounds in the development of the United States. Describe the organization and functions of the Federal Reserve System. Lesson 3: The Federal Reserve System Connect Startup: The Federal Reserve System Investigate Interactive Reading Notepad Editable Presentation: The Federal Reserve System Flipped Video: The Federal Reserve Text 1: A Review of U.S. Banking History Text 2: The History of the Federal Reserve System Text 3: The Structure of the Federal Reserve System Interactive Illustration: Examining the Structure of the Fed Text 4: The Fed's Roles: Serving the Government Text 5: The Fed's Roles: Serving and Regulating Banks Interactive Illustration: The Check Clearing Process Text 6: The Fed's Roles: Regulating the Money Supply Synthesize Synthesize: The Federal Reserve System Demonstrate Lesson Summary Curriculum Standards: Describe the organization and functions of the Federal Reserve System. Explain ways that government agencies supervise and regulate financial institutions to help protect the safety, soundness, and legal compliance of the nations banking and financial system. Compare the Securities and Exchange Commission (SEC), the Federal Reserve, and other government agencies that regulate financial markets. Interactive Illustration: Structure of the Fed Curriculum Standards: Describe the organization and functions of the Federal Reserve System. Quiz: The Federal Reserve System Curriculum Standards: Describe the organization and functions of the Federal Reserve System. Explain ways that government agencies supervise and regulate financial institutions to help protect the safety, soundness, and legal compliance of the nations banking and financial system. Compare the Securities and Exchange Commission (SEC), the Federal Reserve, and other government agencies that regulate financial markets. Lesson 4: The Functions of Modern Banks Connect Startup: The Functions of Modern Banks Investigate Interactive Reading Notepad Editable Presentation: The Functions of Modern Banks Flipped Video: Financial Institutions Text 1: The Money Supply Text 2: Functions of Financial Institutions Curriculum Standards: Examine the fact that failure to repay a loan has significant consequences for borrowers such as negative entries on their credit report, repossession of property (collateral), garnishment of wages, and the inability to obtain loans in the future. Interactive Chart: Calculate Compound Interest Text 3: Types of Financial Institutions Text 4: Budgeting Curriculum Standards: Construct a one-year budget plan for a specific career path including expenses and construction of a credit plan for purchasing a major item. Personal Finance Core Concepts: Checking Interactive Chart: Comparing Types of Loans Synthesize Synthesize: The Functions of Modern Banks Demonstrate Lesson Summary Curriculum Standards: Compare credit, savings, and investment services available to the consumer from financial institutions. Interactive Chart: Comparing Types of Loans Curriculum Standards: Compare credit, savings, and investment services available to the consumer from financial institutions. Personal Finance Core Concepts: Credit and Debt Curriculum Standards: Compare credit, savings, and investment services available to the consumer from financial institutions. Quiz: The Functions of Modern Banks Curriculum Standards: Compare credit, savings, and investment services available to the consumer from financial institutions. Lesson 5: Investing Connect Startup: Investing Investigate Interactive Reading Notepad Editable Presentation: Investing Flipped Video: Investing Text 1: Investment and Free Enterprise Personal Finance Core Concepts: Savings and Retirement Text 2: The Financial System Interactive Illustration: Linking Savers and Investors Text 3: Financial Intermediaries Text 4: Liquidity, Return, and Risk Interactive Chart: Identifying Types of Risk Synthesize Synthesize: Investing Demonstrate Lesson Summary Curriculum Standards: Compare credit, savings, and investment services available to the consumer from financial institutions. Describe the risk and return profiles of various investment vehicles and the importance of diversification. Interactive Illustration: Linking Savers and Investors Curriculum Standards: Compare credit, savings, and investment services available to the consumer from financial institutions. Personal Finance Core Concepts: Investments Curriculum Standards: Compare credit, savings, and investment services available to the consumer from financial institutions. Describe the risk and return profiles of various investment vehicles and the importance of diversification. Quiz: Investing Curriculum Standards: Compare credit, savings, and investment services available to the consumer from financial institutions. Describe the risk and return profiles of various investment vehicles and the importance of diversification. Lesson 6: Bonds and Other Financial Assets Connect Startup: Bonds and Other Financial Assets Investigate Interactive Reading Notepad Editable Presentation: Bonds and Other Financial Assets Flipped Video: Bonds Text 1: Bonds as Financial Assets Text 2: Types of Bonds Interactive Chart: Identifying Types of Bonds Text 3: Other Types of Financial Assets Personal Finance Core Concepts: Investments Text 4: Financial Asset Markets Synthesize Synthesize: Bonds and Other Financial Assets Demonstrate Lesson Summary Curriculum Standards: Describe the risk and return profiles of various investment vehicles and the importance of diversification. Personal Finance Core Concepts: Investments Curriculum Standards: Describe the risk and return profiles of various investment vehicles and the importance of diversification. Interactive Chart: Identifying Types of Bonds Curriculum Standards: Describe the risk and return profiles of various investment vehicles and the importance of diversification. Quiz: Bonds and Other Financial Assets Curriculum Standards: Describe the risk and return profiles of various investment vehicles and the importance of diversification. Lesson 7: Stocks Connect Startup: Stocks Investigate Interactive Reading Notepad Editable Presentation: Stocks Flipped Video: Stocks Text 1: Investing in Stock Text 2: Stock Trading Personal Finance Core Concepts: Investments Curriculum Standards: Explain how the expenses of buying, selling, and holding financial assets decrease the rate of return from an investment. Discuss that buyers and sellers in financial markets determine prices of financial assets and therefore influence the rates of return on those assets. Explain that an investment with greater risk than another investment will commonly have a lower market price, and therefore a higher rate of return, than the other investment. Explain that shorter-term investments will likely have lower rates of return than longer-term investments. Describe how diversifying investments in different types of financial assets can lower investment risk. Describe how financial markets adjust to new financial news and that prices in those markets reflect what is known about those financial assets. Examine why investors should be aware of tendencies that people have that may result in poor choices, which may include avoiding selling assets at a loss because they weigh losses more than they weigh gains and investing in financial assets with which they are familiar, such as their own employers stock or domestic rather than international stocks. Explain that people vary in their willingness to take risks because the willingness to take risks depends on factors such as personality, income, and family situation. Describe how individuals vary with respect to their willingness to accept risk and why most people are willing to pay a small cost now if it means they can avoid a possible larger loss later. Interactive Timeline: Investigating the History of the Dow Text 3: Tracking Stock Performance Text 4: The Great Crash and Beyond Interactive Illustration: How to Read an Online Stock Report Synthesize Synthesize: Interactive Chart How Will You Invest? Demonstrate Lesson Summary Curriculum Standards: Describe the risk and return profiles of various investment vehicles and the importance of diversification. Personal Finance Core Concepts: Investments Curriculum Standards: Describe the risk and return profiles of various investment vehicles and the importance of diversification. Quiz: Stocks Curriculum Standards: Describe the risk and return profiles of various investment vehicles and the importance of diversification. Synthesize: Money, Banking, and Financial Markets Topic Test: Money, Banking, and Financial Markets Topic Test Bank: Money, Banking, and Financial Markets Topic 7: Economic Performance and Challenges Introduction: Economic Performance and Challenges Connect My Story Video: Unemployment, Measuring the Health of the Economy Essential Question: Economic Performance and Challenges Overview Activity: Economic Performance and Challenges Civic Action Project: Constitutional Rights Foundation Lesson 1: Gross Domestic Product Connect Startup: Gross Domestic Product Investigate Interactive Reading Notepad Editable Presentation: Gross Domestic Product Flipped Video: What is GDP? Text 1: Economic Measures Interactive Chart: What Is Gross Domestic Product? Text 2: Two Measures of GDP Text 3: What GDP Doesn't Measure Text 4: Other Economic Measures Text 5: Factors that Affect GDP Interactive Graph: Interpreting the Impact of Events on U.S. GDP Synthesize Synthesize: Gross Domestic Product Demonstrate Lesson Summary Interactive Chart: What Is Gross Domestic Product? Quiz: Gross Domestic Product Lesson 2: Business Cycles Connect Startup: Business Cycles Investigate Interactive Reading Notepad Editable Presentation: Business Cycles Flipped Video: Business Cycles Text 1: Business Cycle Phases Interactive Graph: Analyzing a Business Cycle Text 2: What Drives Business Cycles? Personal Finance Core Concepts: Credit and Debt Curriculum Standards: Discuss ways that consumers can compare the cost of credit by using the annual percentage rate (APR), initial fees charged, and fees charged for late payment or missed payments. Discuss that banks and financial institutions sometimes compete by offering credit at low introductory rates, which increase after a set period of time or when the borrower misses a payment or makes a late payment. Explain that loans can be unsecured or secured with collateral, that collateral is a piece of property that can be sold by the lender to recover all or part of a loan if the borrower fails to repay. Explain why secured loans are viewed as having less risk and why lenders charge a lower interest rate than they charge for unsecured loans. Describe why people often make a cash payment to the seller of a goodcalled a down paymentin order to reduce the amount they need to borrow. Describe why lenders may consider loans made with a down payment to have less risk because the down payment gives the borrower some equity or ownership right away and why these loans may carry a lower interest rate. Explain that lenders make credit decisions based in part on consumer payment history. Credit bureaus record borrowers credit and payment histories and provide that information to lenders in credit reports. Discuss that lenders can pay to receive a borrowers credit score from a credit bureau and that a credit score is a number based on information in a credit report and assesses a persons credit risk. Describe that, in addition to assessing a persons credit risk, credit reports and scores may be requested and used by employers in hiring decisions, landlords in deciding whether to rent apartments, and insurance companies in charging premiums. Explain that consumers who have difficulty repaying debt can seek assistance through credit counseling services and by negotiating directly with creditors. Analyze the fact that, in extreme cases, bankruptcy may be an option for consumers who are unable to repay debt, and although bankruptcy provides some benefits, filing for bankruptcy also entails considerable costs, including having notice of the bankruptcy appear on a consumers credit report for up to 10 years. Discuss that consumers who use credit should be aware of laws that are in place to protect them and that these include requirements to provide full disclosure of credit terms such as APR and fees, as well as protection against discrimination and abusive marketing or collection practices. Explain that consumers are entitled to a free copy of their credit report annually so that they can verify that no errors were made that might increase their cost of credit. Interactive Chart: Analyzing a Recession Text 3: Forecasting Business Cycles Text 4: Business Cycles in the United States Biography: John Maynard Keynes Primary Sources: Contrasting Views of the New Deal Synthesize Synthesize: Business Cycles Demonstrate Lesson Summary Curriculum Standards: Examine the four phases of the business cycle (peak, contraction - unemployment, trough, expansion - inflation). Economics Core Concepts: Economic Process Curriculum Standards: Examine the four phases of the business cycle (peak, contraction - unemployment, trough, expansion - inflation). Interactive Graph: Analyzing a Business Cycle Curriculum Standards: Examine the four phases of the business cycle (peak, contraction - unemployment, trough, expansion - inflation). Quiz: Business Cycles Curriculum Standards: Examine the four phases of the business cycle (peak, contraction - unemployment, trough, expansion - inflation). Lesson 3: Economic Growth Connect Startup: Economic Growth Investigate Interactive Reading Notepad Editable Presentation: Economic Growth Flipped Video: Technology's Role in Driving Growth Text 1: Measuring Economic Growth Curriculum Standards: Analyze how capital investments may impact productivity and economic growth. Examine absolute and comparative advantage, and explain why most trade occurs because of comparative advantage. Text 2: Capital Deepening Curriculum Standards: Analyze how capital investments may impact productivity and economic growth. Examine absolute and comparative advantage, and explain why most trade occurs because of comparative advantage. Text 3: Saving and Investment Curriculum Standards: Analyze how capital investments may impact productivity and economic growth. Examine absolute and comparative advantage, and explain why most trade occurs because of comparative advantage. Personal Finance Core Concepts: Savings and Retirement Curriculum Standards: Compare the difference between the nominal interest rate which tells savers how the dollar value of their savings or investments will grow, and the real interest rate which tells savers how the purchasing power of their savings or investments will grow. Describe ways that money received (or paid) in the future can be compared to money held today by discounting the future value based on the rate of interest. Explain how employer benefit programs create incentives and disincentives to save and how an employees decision to save can depend on how the alternatives are presented by the employer. Explain how the expenses of buying, selling, and holding financial assets decrease the rate of return from an investment. Interactive Graph: Explain Capital Deepening Curriculum Standards: Analyze how capital investments may impact productivity and economic growth. Examine absolute and comparative advantage, and explain why most trade occurs because of comparative advantage. Text 4: The Effects of Population, Government, and Trade Curriculum Standards: Analyze how capital investments may impact productivity and economic growth. Examine absolute and comparative advantage, and explain why most trade occurs because of comparative advantage. Text 5: Technological Progress Curriculum Standards: Analyze how capital investments may impact productivity and economic growth. Examine absolute and comparative advantage, and explain why most trade occurs because of comparative advantage. Interactive Gallery: Analyzing Causes of Economic Growth Curriculum Standards: Analyze how capital investments may impact productivity and economic growth. Examine absolute and comparative advantage, and explain why most trade occurs because of comparative advantage. Synthesize Synthesize: Economic Growth Demonstrate Lesson Summary Interactive Graph: Explain Capital Deepening Curriculum Standards: Analyze how capital investments may impact productivity and economic growth. Examine absolute and comparative advantage, and explain why most trade occurs because of comparative advantage. Economics Core Concepts: Economic Development Quiz: Economic Growth Lesson 4: Unemployment Connect Startup: Unemployment Investigate Interactive Reading Notepad Editable Presentation: Unemployment Flipped Video: What is Unemployment? Text 1: Types of Unemployment Personal Finance Core Concepts: After High School Text 2: The Unemployment Rate Interactive Chart: Determining Types of Unemployment Text 3: The Goal of Full Employment Interactive Graph: Interpreting Unemployment Data Synthesize Synthesize: Unemployment Demonstrate Lesson Summary Curriculum Standards: Examine the four phases of the business cycle (peak, contraction - unemployment, trough, expansion - inflation). Interactive Chart: Determining Types of Unemployment Curriculum Standards: Examine the four phases of the business cycle (peak, contraction - unemployment, trough, expansion - inflation). Interactive Graph: Interpreting Unemployment Data Interactive Graph: Interpreting Unemployment DataAn activity that allows students to explore key ideas from the Lesson. Quiz: Unemployment Curriculum Standards: Examine the four phases of the business cycle (peak, contraction - unemployment, trough, expansion - inflation). Lesson 5: Inflation and Deflation Connect Startup: Inflation and Deflation Investigate Interactive Reading Notepad Editable Presentation: Inflation and Deflation Flipped Video: What is Inflation? Text 1: How Rising Prices Affect You Text 2: Price Indexes Text 3: Identifying Causes of Inflation Interactive Chart: Analyzing the Wage-Price Spiral Text 4: Interpreting Effects of Inflation Interactive Gallery: Interpreting Causes and Effects of Inflation Text 5: Recent Trends in the Rate of Inflation Synthesize Synthesize: Inflation and Deflation Demonstrate Lesson Summary Curriculum Standards: Identify the impact of inflation on society. Demonstrate the impact of inflation on world economies. Examine the ideas that inflation reduces the value of money, including savings, that the real interest rate expresses the rate of return on savings, taking into account the effect of inflation and that the real interest rate is calculated as the nominal interest rate minus the rate of inflation. Interactive Chart: Analyzing the Wage-Price Spiral Curriculum Standards: Identify the impact of inflation on society. Demonstrate the impact of inflation on world economies. Examine the ideas that inflation reduces the value of money, including savings, that the real interest rate expresses the rate of return on savings, taking into account the effect of inflation and that the real interest rate is calculated as the nominal interest rate minus the rate of inflation. Interactive Gallery: Interpreting Causes and Effects of Inflation Curriculum Standards: Identify the impact of inflation on society. Demonstrate the impact of inflation on world economies. Examine the ideas that inflation reduces the value of money, including savings, that the real interest rate expresses the rate of return on savings, taking into account the effect of inflation and that the real interest rate is calculated as the nominal interest rate minus the rate of inflation. Quiz: Inflation and Deflation Curriculum Standards: Identify the impact of inflation on society. Demonstrate the impact of inflation on world economies. Examine the ideas that inflation reduces the value of money, including savings, that the real interest rate expresses the rate of return on savings, taking into account the effect of inflation and that the real interest rate is calculated as the nominal interest rate minus the rate of inflation. Lesson 6: Poverty and Income Distribution Connect Startup: Poverty and Income Distribution Investigate Interactive Reading Notepad Editable Presentation: Poverty and Income Distribution Flipped Video: Finding Solutions to Poverty Text 1: Living in Poverty Interactive Graph: Analyzing Poverty Rates Text 2: What Causes Poverty? Text 3: Household Income Personal Finance Core Concepts: After High School Text 4: The Economic Goal of Equity Interactive Timeline: Changes in Anti-Poverty Policies Text 5: Charitable Donations Synthesize Synthesize: Poverty and Income Distribution Demonstrate Lesson Summary Curriculum Standards: Discuss the fact that, in addition to privately purchased insurance, some government benefit programs provide a social safety net to protect individuals from economic hardship created by unexpected events. Interactive Graph: Analyzing Poverty Rates Interactive Timeline: A Century of Anti-Poverty Efforts Curriculum Standards: Discuss the fact that, in addition to privately purchased insurance, some government benefit programs provide a social safety net to protect individuals from economic hardship created by unexpected events. Quiz: Poverty and Income Distribution Curriculum Standards: Discuss the fact that, in addition to privately purchased insurance, some government benefit programs provide a social safety net to protect individuals from economic hardship created by unexpected events. Synthesize: Economic Performance and Challenges Topic Test: Economic Performance and Challenges Topic Test Bank: Economic Performance and Challenges Topic 8: Taxes and Spending Introduction: Taxes and Spending Connect My Story Video: Income, Taxes and Spending Essential Question: Taxes and Spending Overview Activity: Taxes and Spending Civic Action Project: Constitutional Rights Foundation Lesson 1: Understanding Taxes Connect Startup: Understanding Taxes Investigate Interactive Reading Notepad Editable Presentation: Understanding Taxes Flipped Video: National Tax Rates in the U.S. and Elsewhere Text 1: The Importance of National Taxes Interactive Chart: Exploring the Constitution and Taxation Text 2: Tax Structures and Tax Bases Interactive Chart: Progressive, Regressive, and Proportional Taxation Text 3: The Tax Burden Text 4: Key Characteristics of a Tax 21st Century Skill: Identify Main Ideas and Details: Video Synthesize Synthesize: Understanding Taxes Demonstrate Lesson Summary Curriculum Standards: Differentiate between direct and indirect taxes, and describe the progressivity of taxes (progressive, proportional, regressive). Interactive Chart: Exploring the Constitution and Taxation Curriculum Standards: Differentiate between direct and indirect taxes, and describe the progressivity of taxes (progressive, proportional, regressive). Interactive Chart: Progressive, Regressive, and Proportional Taxation Curriculum Standards: Differentiate between direct and indirect taxes, and describe the progressivity of taxes (progressive, proportional, regressive). Quiz: Understanding Taxes Curriculum Standards: Differentiate between direct and indirect taxes, and describe the progressivity of taxes (progressive, proportional, regressive). 21st Century Skill: Identify Main Ideas and Details: Quick Reference 21st Century Skill: Identify Main Ideas and Details: Assessment Lesson 2: Federal Taxes Connect Startup: Federal Taxes Investigate Interactive Reading Notepad Editable Presentation: Federal Taxes Flipped Video: The Structure of National Revenues Text 1: Individual and Corporate Income Taxes Interactive Graph: Analyzing Historical Changes in Federal Receipts Text 2: Social Security, Medicare, and Unemployment Taxes Text 3: Other National Taxes Interactive Gallery: Examining Tax Deductions and Incentives 21st Century Skill: Generalize: Video Synthesize Synthesize: Federal Taxes Demonstrate Lesson Summary Curriculum Standards: Differentiate between direct and indirect taxes, and describe the progressivity of taxes (progressive, proportional, regressive). Interactive Graph: Analyzing Historical Changes in Federal Receipts Curriculum Standards: Differentiate between direct and indirect taxes, and describe the progressivity of taxes (progressive, proportional, regressive). Personal Finance Core Concepts: Taxes and Income Curriculum Standards: Differentiate between direct and indirect taxes, and describe the progressivity of taxes (progressive, proportional, regressive). Explain that taxes are paid to federal, state, and local governments to fund government goods and services and transfer payments from government to individuals and that the major types of taxes are income taxes, payroll (Social Security) taxes, property taxes, and sales taxes. Discuss how peoples sources of income, amount of income, as well as the amount and type of spending affect the types and amounts of taxes paid. Explain that people may choose to donate money to charitable organizations and other not-for-profits because they gain satisfaction from donating. Quiz: Federal Taxes Curriculum Standards: Differentiate between direct and indirect taxes, and describe the progressivity of taxes (progressive, proportional, regressive). 21st Century Skill: Generalize: Quick Reference 21st Century Skill: Generalize: Assessment Lesson 3: Federal Spending Connect Startup: Federal Spending Investigate Interactive Reading Notepad Editable Presentation: Federal Spending Flipped Video: Entitlements and the National Budget Text 1: Mandatory and Discretionary Spending Interactive Gallery: Analyzing Categories of the Federal Budget Text 2: Government Entitlements Interactive Chart: Exploring Major Entitlement Programs Text 3: Spending on Discretionary Programs 21st Century Skill: Make Decisions: Video Synthesize Synthesize: Federal Spending Demonstrate Lesson Summary Curriculum Standards: Analyze how changes in federal spending and taxation affect budget deficits and surpluses and the national debt. Personal Finance Core Concepts: Taxes and Income Interactive Gallery: Analyzing Categories of the Federal Budget Curriculum Standards: Analyze how changes in federal spending and taxation affect budget deficits and surpluses and the national debt. Quiz: Federal Spending Curriculum Standards: Analyze how changes in federal spending and taxation affect budget deficits and surpluses and the national debt. 21st Century Skill: Make Decisions: Quick Reference 21st Century Skill: Make Decisions: Assessment Lesson 4: State and Local Taxes and Spending Connect Startup: State and Local Taxes and Spending Investigate Interactive Reading Notepad Editable Presentation: State and Local Taxes and Spending Flipped Video: State Taxes and Spending in Different States Text 1: Budgeting at the State Level Text 2: State Spending Categories Interactive Gallery: Analyzing State Spending Text 3: Revenue for State Budgets Curriculum Standards: Compare the ways that federal, state, and local tax rates vary on different types of investments. Describe the taxes effect on the after-tax rate of return of an investment. Text 4: Local Government Spending and Revenue Interactive Graph: Examining State and Local Revenues 21st Century Skill: Participate in a Discussion or Debate: Video Synthesize Synthesize: State and Local Taxes and Spending Demonstrate Lesson Summary Interactive Graph: Examining State and Local Revenues Quiz: State and Local Taxes and Spending 21st Century Skill: Participate in a Discussion or Debate: Quick Reference 21st Century Skill: Participate in a Discussion or Debate: Assessment Synthesize: Taxes and Spending Topic Test: Taxes and Spending Topic Test Bank: Taxes and Spending Topic 9: Fiscal and Monetary Policy Introduction: Fiscal and Monetary Policy Connect My Story Video: John Maynard Keynes, Influencing the Economy Essential Question: Fiscal and Monetary Policy Overview Activity: Fiscal and Monetary Policy Quest—DBQ: The Great Recession of 2007-2009 Connect Quest—Student Instructions: The Great Recession of 2007-2009 Quest—Need to Know Questions: The Great Recession of 2007-2009 Investigate Quest—Document A: Roosevelt's First Response to the Great Depression Quest—Document B: Timeline of the Federal Response to the Great Recession Quest—Document C: President Bush's Speech on 2008 Economic Stimulus Act Quest—Document D: Treasury Secretary Henry Paulson Testifies in Congress Quest—Document E: Responses to the TARP Program Quest—Document F: Unemployment Rate, 2007-2013 21st Century Skill: Compare Viewpoints: Video Synthesize and Demonstrate Rubric: Assessing a Written Report 21st Century Skill: Consider and Counter Opposing Arguments: Video 21st Century Skill: Consider & Counter Opposing Arguments: Quick Reference 21st Century Skill: Consider and Counter Opposing Arguments: Assessment 21st Century Skill: Avoid Plagiarism: Video 21st Century Skill: Avoid Plagiarism: Quick Reference 21st Century Skill: Avoid Plagiarism: Assessment 21st Century Skill: Compare Viewpoints: Quick Reference 21st Century Skill: Compare Viewpoints: Assessment Lesson 1: The Federal Budget and Fiscal Policy Connect Startup: The Federal Budget and Fiscal Policy Investigate Interactive Reading Notepad Editable Presentation: The Federal Budget and Fiscal Policy Flipped Video: Fiscal Policy Basics Text 1: The Federal Budget and Fiscal Policy Interactive Chart: The Budget Process Text 2: How Fiscal Policy Decisions Impact the Economy Interactive Graph: The Effects of Fiscal Policy Text 3: The Limits and Costs of Fiscal Policy Synthesize Synthesize: The Federal Budget and Fiscal Policy Demonstrate Interactive Graph: The Effects of Fiscal Policy Curriculum Standards: Explain the use of fiscal policy (taxation, spending) to promote price stability, full employment, and economic growth. Lesson Summary Curriculum Standards: Explain the use of fiscal policy (taxation, spending) to promote price stability, full employment, and economic growth. Interactive Chart: The Budget Process Quiz: The Federal Budget and Fiscal Policy Curriculum Standards: Explain the use of fiscal policy (taxation, spending) to promote price stability, full employment, and economic growth. Lesson 2: Fiscal Policy Options Connect Startup: Fiscal Policy Options Investigate Interactive Reading Notepad Editable Presentation: Fiscal Policy Options Flipped Video: Fiscal Policy Options Text 1: Classical Economics Text 2: Keynesian Economics Biography: John Maynard Keynes Text 3: Supply-Side Economics Interactive Graph: Analyzing the Laffer Curve Text 4: The Recent History of U.S. Fiscal Policy Biography: Milton Friedman Interactive Timeline: Exploring Fiscal Policy in a Changing Economy Primary Sources: The Economic Role of the Government: Two Views Synthesize Synthesize: Fiscal Policy Options Demonstrate Lesson Summary Curriculum Standards: Explain the use of fiscal policy (taxation, spending) to promote price stability, full employment, and economic growth. Differentiate and draw conclusions about historical economic thought theorized by economists. Biography: John Maynard Keynes Curriculum Standards: Explain the use of fiscal policy (taxation, spending) to promote price stability, full employment, and economic growth. Differentiate and draw conclusions about historical economic thought theorized by economists. Interactive Timeline: Exploring Fiscal Policy in a Changing Economy Curriculum Standards: Explain the use of fiscal policy (taxation, spending) to promote price stability, full employment, and economic growth. Differentiate and draw conclusions about historical economic thought theorized by economists. Quiz: Fiscal Policy Options Curriculum Standards: Explain the use of fiscal policy (taxation, spending) to promote price stability, full employment, and economic growth. Differentiate and draw conclusions about historical economic thought theorized by economists. Lesson 3: The National Debt and Deficits Connect Startup: The National Debt and Deficits Investigate Interactive Reading Notepad Editable Presentation: The National Debt and Deficits Flipped Video: What is the National Debt? Text 1: Budget Surpluses and Deficits Text 2: Deficits and the National Debt Interactive Gallery: Budget Deficits and Federal Debt Text 3: The Impact of Debt Text 4: Measures to Control the Deficit Interactive Graph: Analyzing Federal Spending Priorities Synthesize Synthesize: The National Debt and Deficits Demonstrate Lesson Summary Curriculum Standards: Explain the use of fiscal policy (taxation, spending) to promote price stability, full employment, and economic growth. Analyze how changes in federal spending and taxation affect budget deficits and surpluses and the national debt. Interactive Gallery: Budget Deficits and Federal Debt Curriculum Standards: Explain the use of fiscal policy (taxation, spending) to promote price stability, full employment, and economic growth. Analyze how changes in federal spending and taxation affect budget deficits and surpluses and the national debt. Quiz: The National Debt and Deficits Curriculum Standards: Explain the use of fiscal policy (taxation, spending) to promote price stability, full employment, and economic growth. Analyze how changes in federal spending and taxation affect budget deficits and surpluses and the national debt. Lesson 4: Monetary Policy Options Connect Startup: Monetary Policy Options Investigate Interactive Reading Notepad Editable Presentation: Monetary Policy Options Flipped Video: Monetary Policy Tools Text 1: Creating Money Text 2: Monetary Tool #1: Reserve Requirements Text 3: Monetary Tool #2: The Discount Rate Interactive Chart: Analyzing Interest Rate Effect Text 4: Monetary Tool #3: Open Market Operations Interactive Chart: Affecting the Money Supply Text 5: Using Monetary Policy Tools Synthesize Synthesize: Monetary Policy Options Demonstrate Lesson Summary Curriculum Standards: Explain the basic functions and characteristics of money, and describe the composition of the money supply in the United States. Explain how the Federal Reserve uses the tools of monetary policy (discount rate, reserve requirement, open market operations) to promote price stability, full employment, and economic growth. Describe government policies that create incentives and disincentives for people to save. Discuss ways that the prices of financial assets are affected by interest rates and explain that the prices of financial assets are also affected by changes in domestic and international economic conditions, monetary policy, and fiscal policy. Interactive Chart: Affecting the Money Supply Curriculum Standards: Explain how the Federal Reserve uses the tools of monetary policy (discount rate, reserve requirement, open market operations) to promote price stability, full employment, and economic growth. Describe government policies that create incentives and disincentives for people to save. Discuss ways that the prices of financial assets are affected by interest rates and explain that the prices of financial assets are also affected by changes in domestic and international economic conditions, monetary policy, and fiscal policy. Interactive Chart: Analyzing Interest Rate Effect Curriculum Standards: Explain how the Federal Reserve uses the tools of monetary policy (discount rate, reserve requirement, open market operations) to promote price stability, full employment, and economic growth. Describe government policies that create incentives and disincentives for people to save. Discuss ways that the prices of financial assets are affected by interest rates and explain that the prices of financial assets are also affected by changes in domestic and international economic conditions, monetary policy, and fiscal policy. Quiz: Monetary Policy Options Curriculum Standards: Explain the basic functions and characteristics of money, and describe the composition of the money supply in the United States. Explain how the Federal Reserve uses the tools of monetary policy (discount rate, reserve requirement, open market operations) to promote price stability, full employment, and economic growth. Describe government policies that create incentives and disincentives for people to save. Discuss ways that the prices of financial assets are affected by interest rates and explain that the prices of financial assets are also affected by changes in domestic and international economic conditions, monetary policy, and fiscal policy. Lesson 5: The Effects of Monetary Policy Connect Startup: The Effects of Monetary Policy Investigate Interactive Reading Notepad Editable Presentation: The Effects of Monetary Policy Flipped Video: Timing Monetary Policy Text 1: The Basics of Monetary Policy Interactive Chart: Analyzing Easy Money and Tight Money Text 2: Timing Monetary Policy Text 3: Anticipating Business Cycles Text 4: Debating Monetary Policy Interactive Gallery: How Monetary Policy Affects the Economy Primary Sources: The Role of Monetary Pollicy: Milton Friedman Synthesize Synthesize: The Effects of Monetary Policy Demonstrate Lesson Summary Curriculum Standards: Explain how the Federal Reserve uses the tools of monetary policy (discount rate, reserve requirement, open market operations) to promote price stability, full employment, and economic growth. Describe government policies that create incentives and disincentives for people to save. Discuss ways that the prices of financial assets are affected by interest rates and explain that the prices of financial assets are also affected by changes in domestic and international economic conditions, monetary policy, and fiscal policy. Interactive Gallery: How Monetary Policy Affects the Economy Curriculum Standards: Explain how the Federal Reserve uses the tools of monetary policy (discount rate, reserve requirement, open market operations) to promote price stability, full employment, and economic growth. Describe government policies that create incentives and disincentives for people to save. Discuss ways that the prices of financial assets are affected by interest rates and explain that the prices of financial assets are also affected by changes in domestic and international economic conditions, monetary policy, and fiscal policy. Biography: Milton Friedman Curriculum Standards: Explain how the Federal Reserve uses the tools of monetary policy (discount rate, reserve requirement, open market operations) to promote price stability, full employment, and economic growth. Describe government policies that create incentives and disincentives for people to save. Discuss ways that the prices of financial assets are affected by interest rates and explain that the prices of financial assets are also affected by changes in domestic and international economic conditions, monetary policy, and fiscal policy. Quiz: The Effects of Monetary Policy Curriculum Standards: Explain how the Federal Reserve uses the tools of monetary policy (discount rate, reserve requirement, open market operations) to promote price stability, full employment, and economic growth. Describe government policies that create incentives and disincentives for people to save. Discuss ways that the prices of financial assets are affected by interest rates and explain that the prices of financial assets are also affected by changes in domestic and international economic conditions, monetary policy, and fiscal policy. Synthesize: Fiscal and Monetary Policy Topic Test: Fiscal and Monetary Policy Topic Test Bank: Fiscal and Monetary Policy Topic 10: Trade, Development, and Globalization Introduction: Trade, Development, and Globalization Connect My Story Video: North and South Korea, Comparative Paths to Development Essential Question: Trade, Development, and Globalization Overview Activity: Trade, Development, and Globalization Civic Action Project: Constitutional Rights Foundation Lesson 1: Why Nations Trade Connect Startup: Why Nations Trade Investigate Interactive Reading Notepad Editable Presentation: Why Nations Trade Flipped Video: Absolute and Comparative Advantage Text 1: Resource Distribution and Specialization Interactive Gallery: Identifying Resources and Specialization Text 2: Absolute and Comparative Advantage Text 3: Comparative Advantage and World Trade Text 4: The United States and Its Trading Partners Interactive Map: Comparing U.S. Trading Partners Text 5: The Impact of Trade on Jobs Personal Finance Core Concepts: Consumer Smarts Text 6: A Circular Flow Model Including Finance and Trade Synthesize Synthesize: Why Nations Trade Demonstrate Economics Core Concepts: Trade Curriculum Standards: Examine absolute and comparative advantage, and explain why most trade occurs because of comparative advantage. Construct a circular flow diagram for an open-market economy including elements of households, firms, government, financial institutions, product and factor markets, and international trade. Lesson Summary Curriculum Standards: Examine absolute and comparative advantage, and explain why most trade occurs because of comparative advantage. Construct a circular flow diagram for an open-market economy including elements of households, firms, government, financial institutions, product and factor markets, and international trade. Interactive Gallery: Identifying Resources and Specialization Curriculum Standards: Examine absolute and comparative advantage, and explain why most trade occurs because of comparative advantage. Quiz: Why Nations Trade Quiz: Why Nations TradeA multiple-choice quiz that is graded automatically and provides remediation or enrichment suggestions. Curriculum Standards: Examine absolute and comparative advantage, and explain why most trade occurs because of comparative advantage. Construct a circular flow diagram for an open-market economy including elements of households, firms, government, financial institutions, product and factor markets, and international trade. Lesson 2: Trade Barriers and Agreements Connect Startup: Trade Barriers and Agreements Investigate Interactive Reading Notepad Editable Presentation: Trade Barriers and Agreements Flipped Video: Costs and Benefits of Free Trade Text 1: Free Trade and Trade Barriers Text 2: Effects of Trade Barriers Text 3: Arguments for Protectionism Text 4: Trade Agreements Interactive Map: Analyzing U.S. Trade with Canada and Mexico Text 5: Regional Trade Organizations Text 6: The Role of Multinationals Interactive Illustration: Examining Globalization - the Auto Industry 21st Century Skill: Draw Conclusions: Video Synthesize Synthesize: Trade Barriers and Agreements Demonstrate Lesson Summary Curriculum Standards: Discuss the effect of barriers to trade and why nations sometimes erect barriers to trade or establish free trade zones. Economics Core Concepts: Trade Curriculum Standards: Discuss the effect of barriers to trade and why nations sometimes erect barriers to trade or establish free trade zones. Quiz: Trade Barriers and Agreements Curriculum Standards: Discuss the effect of barriers to trade and why nations sometimes erect barriers to trade or establish free trade zones. 21st Century Skill: Draw Conclusions: Quick Reference 21st Century Skill: Draw Conclusions: Assessment Lesson 3: Exchange Rates and Trade Connect Startup: Exchange Rates and Trade Investigate Interactive Reading Notepad Editable Presentation: Exchange Rates and Trade Flipped Video: Foreign Trade in the American Economy Text 1: Foreign Exchange and Currencies Text 2: Determining the Value of Currency Text 3: Balance of Trade Interactive Chart: Contrasting the Effects of Exchange Rates Text 4: A Growing Trade Deficit Interactive Graph: Analyzing the Impact of U.S. Exports and Imports 21st Century Skill: Make Predictions: Video Synthesize Synthesize: Exchange Rates and Trade Demonstrate Lesson Summary Curriculum Standards: Compare the current United States economy with other developed and developing nations. Interactive Chart: Contrasting the Effects of Exchange Rates Curriculum Standards: Compare the current United States economy with other developed and developing nations. Interactive Graph: Analyzing the Impact of U.S. Exports and Imports Curriculum Standards: Compare the current United States economy with other developed and developing nations. Quiz: Exchange Rates and Trade Curriculum Standards: Compare the current United States economy with other developed and developing nations. 21st Century Skill: Make Predictions: Quick Reference 21st Century Skill: Make Predictions: Assessment Lesson 4: Development Connect Startup: Development Investigate Interactive Reading Notepad Editable Presentation: Development Flipped Video: Success Stories in National Development Text 1: Development Around the World Text 2: Indicators of Development Interactive Gallery: Interpreting Indicators of Development Text 3: Indicators of Developed Nations Text 4: Indicators of Less Developed Nations Interactive Chart: Identifying Patterns of Development 21st Century Skill: Draw Inferences: Video Synthesize Synthesize: Scarcity and Trade Demonstrate Lesson Summary Curriculum Standards: Compare the current United States economy with other developed and developing nations. Describe the factors and processes that contribute to the differences between developing and developed regions of the world. Interactive Chart: Identifying Patterns of Development Curriculum Standards: Compare the current United States economy with other developed and developing nations. Describe the factors and processes that contribute to the differences between developing and developed regions of the world. Economics Core Concepts: Economic Development Curriculum Standards: Compare the current United States economy with other developed and developing nations. Describe the factors and processes that contribute to the differences between developing and developed regions of the world. Quiz: Development Curriculum Standards: Compare the current United States economy with other developed and developing nations. Describe the factors and processes that contribute to the differences between developing and developed regions of the world. 21st Century Skill: Draw Inferences: Quick Reference 21st Century Skill: Draw Inferences: Assessment Lesson 5: Growth, Resources, and Development Connect Startup: Growth, Resources, and Development Investigate Interactive Reading Notepad Editable Presentation: Growth, Resources, and Development Flipped Video: Economic Development Text 1: A Growing Population Text 2: Obstacles to Development Text 3: Political Barriers to Growth Text 4: Finance and Development Interactive Graph: Categorizing U.S. Foreign Aid Text 5: Promoting Development Interactive Gallery: Identifying the Functions of World Organizations 21st Century Skill: Solve Problems: Video Synthesize Synthesize: Growth, Resources, and Development Demonstrate Economics Core Concepts: Economic Development Curriculum Standards: Assess the economic impact of negative and positive externalities on the international environment. Describe the factors and processes that contribute to the differences between developing and developed regions of the world. Use geographic terms and tools to analyze case studies of issues in globalization. Interactive Graph: Categorizing U.S. Foreign Aid Curriculum Standards: Describe the factors and processes that contribute to the differences between developing and developed regions of the world. Lesson Summary Curriculum Standards: Assess the economic impact of negative and positive externalities on the international environment. Describe the factors and processes that contribute to the differences between developing and developed regions of the world. Use geographic terms and tools to analyze case studies of issues in globalization. Quiz: Growth, Resources, and Development Curriculum Standards: Assess the economic impact of negative and positive externalities on the international environment. Describe the factors and processes that contribute to the differences between developing and developed regions of the world. Use geographic terms and tools to analyze case studies of issues in globalization. 21st Century Skill: Solve Problems: Quick Reference 21st Century Skill: Solve Problems: Assessment Lesson 6: Changing Economies Connect Startup: Changing Economies Investigate Interactive Reading Notepad Editable Presentation: Changing Economies Flipped Video: Building Economies Text 1: Moving Toward a Market Economy Text 2: Changes in Russia Interactive Timeline: Summarizing Russia's Transition to a Market Economy Text 3: Growth in Asia Through Trade Interactive Graph: Analyzing Economic Growth in China Text 4: Growth and Challenges in Africa and Latin America Synthesize Synthesize: Changing Economies Demonstrate Interactive Graph: Analyzing Economic Growth in China Interactive Timeline: Summarizing Russia's Transition to a Market Economy Lesson Summary Quiz: Changing Economies Lesson 7: Globalization Connect Startup: Globalization Investigate Interactive Reading Notepad Editable Presentation: Globalization Flipped Video: Agriculture Around the World Text 1: What Causes Globalization? Text 2: Challenges of Globalization Interactive Chart: Defining the Elements of Globalization Text 3: Migration Interactive Gallery: Investigating World Migration Text 4: Ongoing Issues Text 5: The United States and the Global Economy Primary Sources: Monetary Policy in a Global Environment: Janet Yellen Synthesize Synthesize: Globalization Demonstrate Lesson Summary Curriculum Standards: Use geographic terms and tools to explain differing perspectives on the use of renewable and non-renewable resources in Florida, the United States, and the world. Use geographic terms and tools to analyze case studies of issues in globalization. Compare the current United States economy with other developed and developing nations. Interactive Chart: Defining the Elements of Globalization Quiz: Globalization Curriculum Standards: Use geographic terms and tools to explain differing perspectives on the use of renewable and non-renewable resources in Florida, the United States, and the world. Use geographic terms and tools to analyze case studies of issues in globalization. Compare the current United States economy with other developed and developing nations. Synthesize: Trade, Development, and Globalization Topic Test: Trade, Development, and Globalization Topic Test Bank: Trade, Development, and Globalization Florida Reading and Note Taking Study Guide Glossary Social Studies Core Concepts Culture Core Concepts Culture Core Concepts: What Is Culture? Culture Core Concepts: Families and Societies Culture Core Concepts: Language Culture Core Concepts: Religion Culture Core Concepts: The Arts Culture Core Concepts: Cultural Diffusion and Change Culture Core Concepts: Science and Technology Culture Core Concepts: Review and Assessment Economics Core Concepts Economics Core Concepts: Economics Basics Economics Core Concepts: Economic Process Economics Core Concepts: Economic Systems Economics Core Concepts: Economic Development Economics Core Concepts: Trade Economics Core Concepts: Money Management Economics Core Concepts: Review and Assessment Geography Core Concepts Geography Core Concepts: Geography: The Study of Earth Geography Core Concepts: Geography's Five Themes Geography Core Concepts: Earth's Structure Geography Core Concepts: Ways to Show Earth's Surface Geography Core Concepts: Understanding Maps Geography Core Concepts: Earth in Space Geography Core Concepts: Time and Earth's Rotation Geography Core Concepts: Forces on Earth's Surface Geography Core Concepts: Forces Inside Earth Geography Core Concepts: Climate and Weather Geography Core Concepts: Temperature Geography Core Concepts: Water and Climate Geography Core Concepts: Air Circulation and Precipitation Geography Core Concepts: Types of Climate Geography Core Concepts: Ecosystems Geography Core Concepts: Environment and Resources Geography Core Concepts: Land Use Geography Core Concepts: People's Impact on the Environment Geography Core Concepts: Population Geography Core Concepts: Migration Geography Core Concepts: Urbanization Geography Core Concepts: Review and Assessment Government and Civics Core Concepts Government and Civics Core Concepts: Foundations of Government Government and Civics Core Concepts: Political Systems Government and Civics Core Concepts: Political Structures Government and Civics Core Concepts: Conflict and Cooperation Government and Civics Core Concepts: Citizenship Government and Civics Core Concepts: Review and Assessment History Core Concepts History Core Concepts: How Do Historians Study History? History Core Concepts: Measuring Time History Core Concepts: Historical Sources History Core Concepts: Archaeology and Other Sources History Core Concepts: Historical Maps History Core Concepts: Review and Assessment Personal Finance Core Concepts Personal Finance Core Concepts: Your Fiscal Fitness: An Introduction Curriculum Standards: Discuss the reasons why some people have a tendency to be impatient and choose immediate spending over saving for the future. Personal Finance Core Concepts: Budgeting Personal Finance Core Concepts: Checking Personal Finance Core Concepts: Investments Curriculum Standards: Discuss that buyers and sellers in financial markets determine prices of financial assets and therefore influence the rates of return on those assets. Explain how the expenses of buying, selling, and holding financial assets decrease the rate of return from an investment. Examine why investors should be aware of tendencies that people have that may result in poor choices, which may include avoiding selling assets at a loss because they weigh losses more than they weigh gains and investing in financial assets with which they are familiar, such as their own employers stock or domestic rather than international stocks. Describe how financial markets adjust to new financial news and that prices in those markets reflect what is known about those financial assets. Describe how individuals vary with respect to their willingness to accept risk and why most people are willing to pay a small cost now if it means they can avoid a possible larger loss later. Explain that people vary in their willingness to take risks because the willingness to take risks depends on factors such as personality, income, and family situation. Explain that an investment with greater risk than another investment will commonly have a lower market price, and therefore a higher rate of return, than the other investment. Describe how diversifying investments in different types of financial assets can lower investment risk. Explain that shorter-term investments will likely have lower rates of return than longer-term investments. Personal Finance Core Concepts: Savings and Retirement Curriculum Standards: Explain how the expenses of buying, selling, and holding financial assets decrease the rate of return from an investment. Describe ways that money received (or paid) in the future can be compared to money held today by discounting the future value based on the rate of interest. Compare the difference between the nominal interest rate which tells savers how the dollar value of their savings or investments will grow, and the real interest rate which tells savers how the purchasing power of their savings or investments will grow. Explain how employer benefit programs create incentives and disincentives to save and how an employees decision to save can depend on how the alternatives are presented by the employer. Personal Finance Core Concepts: Credit and Debt Curriculum Standards: Discuss that lenders can pay to receive a borrowers credit score from a credit bureau and that a credit score is a number based on information in a credit report and assesses a persons credit risk. Explain that loans can be unsecured or secured with collateral, that collateral is a piece of property that can be sold by the lender to recover all or part of a loan if the borrower fails to repay. Explain why secured loans are viewed as having less risk and why lenders charge a lower interest rate than they charge for unsecured loans. Discuss that banks and financial institutions sometimes compete by offering credit at low introductory rates, which increase after a set period of time or when the borrower misses a payment or makes a late payment. Explain that consumers are entitled to a free copy of their credit report annually so that they can verify that no errors were made that might increase their cost of credit. Explain that lenders make credit decisions based in part on consumer payment history. Credit bureaus record borrowers credit and payment histories and provide that information to lenders in credit reports. Describe why people often make a cash payment to the seller of a goodcalled a down paymentin order to reduce the amount they need to borrow. Describe why lenders may consider loans made with a down payment to have less risk because the down payment gives the borrower some equity or ownership right away and why these loans may carry a lower interest rate. Analyze the fact that, in extreme cases, bankruptcy may be an option for consumers who are unable to repay debt, and although bankruptcy provides some benefits, filing for bankruptcy also entails considerable costs, including having notice of the bankruptcy appear on a consumers credit report for up to 10 years. Explain that consumers who have difficulty repaying debt can seek assistance through credit counseling services and by negotiating directly with creditors. Discuss ways that consumers can compare the cost of credit by using the annual percentage rate (APR), initial fees charged, and fees charged for late payment or missed payments. Discuss that consumers who use credit should be aware of laws that are in place to protect them and that these include requirements to provide full disclosure of credit terms such as APR and fees, as well as protection against discrimination and abusive marketing or collection practices. Describe that, in addition to assessing a persons credit risk, credit reports and scores may be requested and used by employers in hiring decisions, landlords in deciding whether to rent apartments, and insurance companies in charging premiums. Personal Finance Core Concepts: Risk Management Curriculum Standards: Describe why people choose different amounts of insurance coverage based on their willingness to accept risk, as well as their occupation, lifestyle, age, financial profile, and the price of insurance. Analyze how judgment regarding risky events is subject to errors because people tend to overestimate the probability of infrequent events, often because theyve heard of or seen a recent example. Explain that people may be required by governments or by certain types of contracts (e.g., home mortgages) to purchase some types of insurance. Explain that people can lower insurance premiums by behaving in ways that show they pose a lower risk. Describe how an insurance contract can increase the probability or size of a potential loss because having the insurance results in the person taking more risks, and that policy features such as deductibles and copayments are cost-sharing features that encourage the policyholder to take steps to reduce the potential size of a loss (claim). Compare the purposes of various types of insurance, including that health insurance provides for funds to pay for health care in the event of illness and may also pay for the cost of preventative care; disability insurance is income insurance that provides funds to replace income lost while an individual is ill or injured and unable to work; property and casualty insurance pays for damage or loss to the insureds property; life insurance benefits are paid to the insureds beneficiaries in the event of the policyholders death. Personal Finance Core Concepts: Consumer Smarts Curriculum Standards: Discuss ways people incur costs and realize benefits when searching for information related to their purchases of goods and services and describe how the amount of information people should gather depends on the benefits and costs of the information. Discuss that when buying a good, consumers may consider various aspects of the product including the products features. Explain why for goods that last for a longer period of time, the consumer should consider the products durability and maintenance costs. Evaluate ways people can make more informed education, job, or career decisions by evaluating the benefits and costs of different choices. Explain that people often apply for a mortgage to purchase a home and identify a mortgage is a type of loan that is secured by real estate property as collateral. Explain that loss of assets, wealth, and future opportunities can occur if an individuals personal information is obtained by others through identity theft and then used fraudulently, and that by managing their personal information and choosing the environment in which it is revealed, individuals can accept, reduce, and insure against the risk of loss due to identity theft. Compare federal and state regulations that provide some remedies and assistance for victims of identity theft. Personal Finance Core Concepts: After High School Curriculum Standards: Discuss that people choose jobs or careers for which they are qualified based on non-income factors, such as job satisfaction, independence, risk, family, or location. Evaluate ways people can make more informed education, job, or career decisions by evaluating the benefits and costs of different choices. Explain that people vary in their willingness to obtain more education or training because these decisions involve incurring immediate costs to obtain possible future benefits. Describe how discounting the future benefits of education and training may lead some people to pass up potentially high rates of return that more education and training may offer. Personal Finance Core Concepts: Taxes and Income Curriculum Standards: Explain that people may choose to donate money to charitable organizations and other not-for-profits because they gain satisfaction from donating. Discuss how peoples sources of income, amount of income, as well as the amount and type of spending affect the types and amounts of taxes paid. Explain that taxes are paid to federal, state, and local governments to fund government goods and services and transfer payments from government to individuals and that the major types of taxes are income taxes, payroll (Social Security) taxes, property taxes, and sales taxes. Personal Finance Core Concepts: Review and Assessment Interactive Primary Sources Primary Source: Code of Hammurabi Primary Source: Psalm 23 Primary Source: The Republic, Plato Primary Source: Politics, Aristotle Primary Source: Edicts, Asoka Primary Source: Analects, Confucius Primary Source: First Letter to the Corinthians, Paul Primary Source: The Quran Primary Source: The Magna Carta Primary Source: Travels, Ibn Battuta Primary Source: The Destruction of the Indies, Bartolome de Las Casas Primary Source: The Mayflower Compact Primary Source: English Petition of Right Primary Source: English Bill of Rights Primary Source: Two Treatises of Government, John Locke Primary Source: The Spirit of Laws, Baron de Montesquieu Primary Source: The Social Contract, Jean-Jacques Rousseau Primary Source: The Interesting Narrative of the Life of Olaudah Equiano Primary Source: "Give Me Liberty or Give Me Death," Patrick Henry Primary Source: "Remember the Ladies," Abigail Adams Primary Source: Common Sense, Thomas Paine Primary Source: Declaration of Independence Primary Source: Virginia Declaration of Rights Primary Source: Virginia Statute for Religious Freedom, Thomas Jefferson Primary Source: "To His Excellency, General Washington," Phillis Wheatley Primary Source: Articles of Confederation Primary Source: Anti-Federalist Papers Primary Source: Federalist No. 10, James Madison Primary Source: Federalist No. 39, James Madison Primary Source: Federalist No. 51 Primary Source: Federalist No. 78, Alexander Hamilton Primary Source: Northwest Ordinance Primary Source: Iroquois Constitution Primary Source: Declaration of the Rights of Man and the Citizen Primary Source: Farewell Address, George Washington Primary Source: Mexican Federal Constitution of 1824 Primary Source: State Colonization Law of 1825 Primary Source: Law of April 6, 1830 Primary Source: Debate Over Nullification, Webster and Calhoun Primary Source: Turtle Bayou Resolutions Primary Source: Democracy in America, Alexis de Tocqueville Primary Source: 1836 Victory or Death Letter from the Alamo, Travis Primary Source: Texas Declaration of Independence Primary Source: Declaration of Sentiments and Resolutions Primary Source: "Ain't I a Woman?," Sojourner Truth Primary Source: Uncle Tom's Cabin, Harriet Beecher Stowe Primary Source: "A House Divided," Abraham Lincoln Primary Source: First Inaugural Address, Abraham Lincoln Primary Source: Declaration of Causes: February 2, 1861 Primary Source: Emancipation Proclamation, Abraham Lincoln Primary Source: Gettysburg Address, Abraham Lincoln Primary Source: Second Inaugural Address, Abraham Lincoln Primary Source: "I Will Fight No More Forever," Chief Joseph Primary Source: How the Other Half Lives, Jacob Riis Primary Source: The Pledge of Allegiance Primary Source: Preamble to the Platform of the Populist Party Primary Source: Atlanta Exposition Address, Booker T. Washington Primary Source: The Jungle, Upton Sinclair Primary Source: Hind Swaraj, Mohandas Gandhi Primary Source: The Fourteen Points, Woodrow Wilson Primary Source: Two Poems, Langston Hughes Primary Source: Four Freedoms, Franklin D. Roosevelt Primary Source: The Diary of a Young Girl, Anne Frank Primary Source: Charter of the United Nations Primary Source: Universal Declaration of Human Rights Primary Source: Autobiography, Kwame Nkrumah Primary Source: Inaugural Address, John F. Kennedy Primary Source: Silent Spring, Rachel Carson Primary Source: "I Have a Dream," Martin Luther King, Jr. Primary Source: "Letter from Birmingham Jail," Martin Luther King, Jr. Primary Source: "Tear Down This Wall," Ronald Reagan Primary Source: "Freedom from Fear," Aung San Suu Kyi Primary Source: "Glory and Hope," Nelson Mandela 21st Century Skills Tutorials Identify Main Ideas and Details 21st Century Skill: Identify Main Ideas and Details: Video 21st Century Skill: Identify Main Ideas and Details: Quick Reference 21st Century Skill: Identify Main Ideas and Details: Assessment Set a Purpose for Reading 21st Century Skill: Set a Purpose for Reading: Video 21st Century Skill: Set a Purpose for Reading: Quick Reference 21st Century Skill: Set a Purpose for Reading: Assessment Use Context Clues 21st Century Skill: Use Context Clues: Quick Reference 21st Century Skill: Use Context Clues: Assessment 21st Century Skill: Use Context Clues: Video Analyze Cause and Effect 21st Century Skill: Analyze Cause and Effect: Video 21st Century Skill: Analyze Cause and Effect: Quick Reference 21st Century Skill: Analyze Cause and Effect: Assessment Categorize 21st Century Skill: Categorize: Video 21st Century Skill: Categorize: Quick Reference 21st Century Skill: Categorize: Assessment Compare and Contrast 21st Century Skill: Compare and Contrast: Video 21st Century Skill: Compare and Contrast: Quick Reference 21st Century Skill: Compare and Contrast: Assessment Draw Conclusions 21st Century Skill: Draw Conclusions: Video 21st Century Skill: Draw Conclusions: Quick Reference 21st Century Skill: Draw Conclusions: Assessment Draw Inferences 21st Century Skill: Draw Inferences: Video 21st Century Skill: Draw Inferences: Quick Reference 21st Century Skill: Draw Inferences: Assessment Generalize 21st Century Skill: Generalize: Video 21st Century Skill: Generalize: Quick Reference 21st Century Skill: Generalize: Assessment Make Decisions 21st Century Skill: Make Decisions: Video 21st Century Skill: Make Decisions: Quick Reference 21st Century Skill: Make Decisions: Assessment Make Predictions 21st Century Skill: Make Predictions: Video 21st Century Skill: Make Predictions: Quick Reference 21st Century Skill: Make Predictions: Assessment Sequence 21st Century Skill: Sequence: Video 21st Century Skill: Sequence: Quick Reference 21st Century Skill: Sequence: Assessment Solve Problems 21st Century Skill: Solve Problems: Video 21st Century Skill: Solve Problems: Quick Reference 21st Century Skill: Solve Problems: Assessment Summarize 21st Century Skill: Summarize: Video 21st Century Skill: Summarize: Quick Reference 21st Century Skill: Summarize: Assessment Analyze Media Content 21st Century Skill: Analyze Media Content: Video 21st Century Skill: Analyze Media Content: Quick Reference 21st Century Skill: Analyze Media Content: Assessment Analyze Primary and Secondary Sources 21st Century Skill: Analyze Primary and Secondary Sources: Video 21st Century Skill: Analyze Primary and Secondary Sources: Quick Reference 21st Century Skill: Analyze Primary and Secondary Sources: Assessment Compare Viewpoints 21st Century Skill: Compare Viewpoints: Video 21st Century Skill: Compare Viewpoints: Quick Reference 21st Century Skill: Compare Viewpoints: Assessment Distinguish Between Fact and Opinion 21st Century Skill: Distinguish Between Fact and Opinion: Video 21st Century Skill: Distinguish Between Fact and Opinion: Quick Reference 21st Century Skill: Distinguish Between Fact and Opinion: Assessment Identify Bias 21st Century Skill: Identify Bias: Video 21st Century Skill: Identify Bias: Quick Reference 21st Century Skill: Identify Bias: Assessment Analyze Data and Models 21st Century Skill: Analyze Data and Models: Video 21st Century Skill: Analyze Data and Models: Quick Reference 21st Century Skill: Analyze Data and Models: Assessment Analyze Images 21st Century Skill: Analyze Images: Video 21st Century Skill: Analyze Images: Quick Reference 21st Century Skill: Analyze Images: Assessment Analyze Political Cartoons 21st Century Skill: Analyze Political Cartoons: Video 21st Century Skill: Analyze Political Cartoons: Quick Reference 21st Century Skill: Analyze Political Cartoons: Assessment Create Charts and Maps 21st Century Skill: Create Charts and Maps: Video 21st Century Skill: Create Charts and Maps: Quick Reference 21st Century Skill: Create Charts and Maps: Assessment Create Databases 21st Century Skill: Create Databases: Video 21st Century Skill: Create Databases: Quick Reference 21st Century Skill: Create Databases: Assessment Read Charts, Graphs, and Tables 21st Century Skill: Read Charts, Graphs, and Tables: Video 21st Century Skill: Read Charts, Graphs, and Tables: Quick Reference 21st Century Skill: Read Charts, Graphs, and Tables: Assessment Read Physical Maps 21st Century Skill: Read Physical Maps: Assessment 21st Century Skill: Read Physical Maps: Quick Reference 21st Century Skill: Read Physical Maps: Video Read Political Maps 21st Century Skill: Read Political Maps: Video 21st Century Skill: Read Political Maps: Quick Reference 21st Century Skill: Read Political Maps: Assessment Read Special-Purpose Maps 21st Century Skill: Read Special-Purpose Maps: Video 21st Century Skill: Read Special-Purpose Maps: Quick Reference 21st Century Skill: Read Special-Purpose Maps: Assessment Use Parts of a Map 21st Century Skill: Use Parts of a Map: Video 21st Century Skill: Use Parts of a Map: Quick Reference 21st Century Skill: Use Parts of a Map: Assessment Ask Questions 21st Century Skill: Ask Questions: Video 21st Century Skill: Ask Questions: Quick Reference 21st Century Skill: Ask Questions: Assessment Avoid Plagiarism 21st Century Skill: Avoid Plagiarism: Video 21st Century Skill: Avoid Plagiarism: Quick Reference 21st Century Skill: Avoid Plagiarism: Assessment Create a Research Hypothesis 21st Century Skill: Create a Research Hypothesis: Video 21st Century Skill: Create a Research Hypothesis: Quick Reference 21st Century Skill: Create a Research Hypothesis: Assessment Evaluate Web Sites 21st Century Skill: Evaluate Web Sites: Video 21st Century Skill: Evaluate Web Sites: Quick Reference 21st Century Skill: Evaluate Web Sites: Assessment Identify Evidence 21st Century Skill: Identify Evidence: Video 21st Century Skill: Identify Evidence: Quick Reference 21st Century Skill: Identify Evidence: Assessment Identify Trends 21st Century Skill: Identify Trends: Video 21st Century Skill: Identify Trends: Quick Reference 21st Century Skill: Identify Trends: Assessment Interpret Sources 21st Century Skill: Interpret Sources: Video 21st Century Skill: Interpret Sources: Quick Reference 21st Century Skill: Interpret Sources: Assessment Search for Information on the Internet 21st Century Skill: Search for Information on the Internet: Video 21st Century Skill: Search for Information on the Internet: Quick Reference 21st Century Skill: Search for Information on the Internet: Assessment Synthesize 21st Century Skill: Synthesize: Video 21st Century Skill: Synthesize: Quick Reference 21st Century Skill: Synthesize: Assessment Take Effective Notes 21st Century Skill: Take Effective Notes: Video 21st Century Skill: Take Effective Notes: Quick Reference 21st Century Skill: Take Effective Notes: Assessment Develop a Clear Thesis 21st Century Skill: Develop a Clear Thesis: Video 21st Century Skill: Develop a Clear Thesis: Quick Reference 21st Century Skill: Develop a Clear Thesis: Assessment Organize Your Ideas 21st Century Skill: Organize Your Ideas: Video 21st Century Skill: Organize Your Ideas: Quick Reference 21st Century Skill: Organize Your Ideas: Assessment Support Ideas with Evidence 21st Century Skill: Support Ideas with Evidence: Video 21st Century Skill: Support Ideas with Evidence: Quick Reference 21st Century Skill: Support Ideas with Evidence: Assessment Evaluate Existing Arguments 21st Century Skill: Evaluate Existing Arguments: Video 21st Century Skill: Evaluate Existing Arguments: Quick Reference 21st Century Skill: Evaluate Existing Arguments: Assessment Consider and Counter Opposing Arguments 21st Century Skill: Consider & Counter Opposing Arguments: Video 21st Century Skill: Consider & Counter Opposing Arguments: Quick Reference 21st Century Skill: Consider & Counter Opposing Arguments: Assessment Give an Effective Presentation 21st Century Skill: Give an Effective Presentation: Video 21st Century Skill: Give an Effective Presentation: Quick Reference 21st Century Skill: Give an Effective Presentation: Assessment Participate in a Discussion or Debate 21st Century Skill: Participate in a Discussion or Debate: Video 21st Century Skill: Participate in a Discussion or Debate: Quick Reference 21st Century Skill: Participate in a Discussion or Debate: Assessment Publish Your Work 21st Century Skill: Publish Your Work: Assessment 21st Century Skill: Publish Your Work: Quick Reference 21st Century Skill: Publish Your Work: Video Write a Journal Entry 21st Century Skill: Write a Journal Entry: Video 21st Century Skill: Write a Journal Entry: Quick Reference 21st Century Skill: Write a Journal Entry: Assessment Write an Essay 21st Century Skill: Write an Essay: Video 21st Century Skill: Write an Essay: Quick Reference 21st Century Skill: Write an Essay: Assessment Share Responsibility 21st Century Skill: Share Responsibility: Video 21st Century Skill: Share Responsibility: Quick Reference 21st Century Skill: Share Responsibility: Assessment Compromise 21st Century Skill: Compromise: Video 21st Century Skill: Compromise: Quick Reference 21st Century Skill: Compromise: Assessment Develop Cultural Awareness 21st Century Skill: Develop Cultural Awareness: Video 21st Century Skill: Develop Cultural Awareness: Quick Reference 21st Century Skill: Develop Cultural Awareness: Assessment Generate New Ideas 21st Century Skill: Generate New Ideas: Video 21st Century Skill: Generate New Ideas: Quick Reference 21st Century Skill: 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Model Video Intended Role: Instructor Significance: Rank It Model Video Intended Role: Instructor Perspective: Sticky Notes Model Video Intended Role: Instructor Evidence: Source Graffiti Model Video Intended Role: Instructor Continuity and Change: Sequence It Model Video Intended Role: Instructor Argument: Take a Stand Model Video Intended Role: Instructor Civic Discussions in Your Classroom Intended Role: Instructor Teacher Edition: Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Resources Intended Role: Instructor Teacher's Edition: Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Edition: Support Intended Role: Instructor Answer Key Intended Role: Instructor Teacher's Edition: Answers Intended Role: Instructor Teacher Resources Intended Role: Instructor Teacher Resources Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Resources Intended Role: Instructor Teacher Resources Intended Role: Instructor Teacher's Edition: Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Resources Intended Role: Instructor Teacher Resources Intended Role: Instructor Answer Key Intended Role: Instructor Teacher Edition: Support Intended Role: Instructor Teacher's Edition: English Language Learners Intended Role: Instructor Teacher's Edition: Answers Intended Role: Instructor Answer Key Intended Role: Instructor Teacher Edition: Support Intended Role: Instructor Teacher's Edition: English Language Learners Intended Role: Instructor Teacher's Edition: Answers Intended Role: Instructor Answer Key Intended Role: Instructor Teacher Edition: Support Intended Role: Instructor Teacher's Edition: English Language Learners Intended Role: Instructor Teacher's Edition: Answers Intended Role: Instructor Answer Key Intended Role: Instructor 21st Century Skill: Give an Effective Presentation: Teacher Support Intended Role: Instructor Teacher Edition: Support Intended Role: Instructor Teacher's Edition: English Language Learners Intended Role: Instructor Teacher's Edition: Answers Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Resources Intended Role: Instructor Teacher's Edition: Support Intended Role: Instructor Answer Key Intended Role: Instructor Personal Finance Core Concepts: Teacher Support Intended Role: Instructor Teacher Edition: Support Intended Role: Instructor Teacher's Edition: English Language Learners Intended Role: Instructor Teacher's Edition: Answers Intended Role: Instructor Answer Key Intended Role: Instructor Teacher Edition: Support Intended Role: Instructor Teacher's Edition: English Language Learners Intended Role: Instructor Teacher's Edition: Answers Intended Role: Instructor Answer Key Intended Role: Instructor Teacher Edition: Support Intended Role: Instructor Teacher's Edition: English Language Learners Intended Role: Instructor Teacher's Edition: Answers Intended Role: Instructor Answer Key Intended Role: Instructor Teacher Edition: Support Intended Role: Instructor Teacher's Edition: English Language Learners Intended Role: Instructor Teacher's Edition: Answers Intended Role: Instructor Answer Key Intended Role: Instructor 21st Century Skill: Analyze Data and Models: Teacher Support Intended Role: Instructor 21st Century Skill: Read Charts, Graphs, and Tables: Teacher Support Intended Role: Instructor Teacher Edition: Support Intended Role: Instructor Teacher's Edition: English Language Learners Intended Role: Instructor Teacher's Edition: Answers Intended Role: Instructor Answer Key Intended Role: Instructor Personal Finance Core Concepts: Teacher Support Intended Role: Instructor Teacher Edition: Support Intended Role: Instructor Teacher's Edition: English Language Learners Intended Role: Instructor Teacher's Edition: Answers Intended Role: Instructor Answer Key Intended Role: Instructor Teacher Edition: Support Intended Role: Instructor Teacher's Edition: English Language Learners Intended Role: Instructor Teacher's Edition: Answers Intended Role: Instructor Teacher Resources Intended Role: Instructor Teacher Resources Intended Role: Instructor Teacher Resources Intended Role: Instructor Answer Key Intended Role: Instructor Teacher Edition: Support Intended Role: Instructor Teacher's Edition: English Language Learners Intended Role: Instructor Teacher's Edition: Answers Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Resources Intended Role: Instructor Teacher Resources Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Resources Intended Role: Instructor Teacher Resources Intended Role: Instructor Teacher's Edition: Support Intended Role: Instructor Answer Key Intended Role: Instructor 21st Century Skill: Identify Main Ideas and Details: Teacher Support 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Language Learners Intended Role: Instructor Teacher's Edition: Answers Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Resources Intended Role: Instructor Teacher Resources Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Resources Intended Role: Instructor Teacher Resources Intended Role: Instructor Teacher's Edition: Support Intended Role: Instructor Answer Key Intended Role: Instructor Personal Finance Core Concepts: Teacher Support Intended Role: Instructor Teacher Edition: Support Intended Role: Instructor Teacher's Edition: English Language Learners Intended Role: Instructor Teacher's Edition: Answers Intended Role: Instructor Answer Key Intended Role: Instructor 21st Century Skill: Draw Conclusions: Teacher Support Intended Role: Instructor Teacher Edition: Support Intended Role: Instructor Teacher's Edition: English Language Learners Intended Role: Instructor Teacher's Edition: Answers Intended Role: Instructor Answer Key Intended Role: Instructor 21st Century Skill: Make Predictions: Teacher Support Intended Role: Instructor Teacher Edition: Support Intended Role: Instructor Teacher's Edition: English Language Learners Intended Role: Instructor Teacher's Edition: Answers Intended Role: Instructor Answer Key Intended Role: Instructor 21st Century Skill: Draw Inferences: Teacher Support Intended Role: Instructor Teacher Edition: Support Intended Role: Instructor Teacher's Edition: English Language Learners Intended Role: Instructor Teacher's Edition: Answers Intended Role: Instructor Answer Key Intended Role: Instructor 21st Century Skill: Solve Problems: Teacher Support Intended Role: Instructor Teacher Edition: Support Intended Role: Instructor Teacher's Edition: English Language Learners Intended Role: Instructor Teacher's Edition: Answers Intended Role: Instructor Answer Key Intended Role: Instructor Teacher's Edition: English Language Learners Intended Role: Instructor Teacher's Edition: Answers Intended Role: Instructor Teacher Edition: Support Intended Role: Instructor Answer Key Intended Role: Instructor Teacher Edition: Support Intended Role: Instructor Teacher's Edition: English Language Learners Intended Role: Instructor Teacher's Edition: Answers Intended Role: Instructor Reading and Note Taking Study Guide Answer Key Intended Role: Instructor Teacher Resources Intended Role: Instructor Teacher Resources Intended Role: Instructor Teacher Resources Intended Role: Instructor Teacher Resources Intended Role: Instructor Teacher Resources Intended Role: Instructor Personal Finance Core Concepts: Teacher Support Intended Role: Instructor Personal Finance Core Concepts: Answer Key Intended Role: Instructor Teacher Resources Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Resources Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Resources Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Resources Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Support Intended Role: Instructor Teacher Resources Intended Role: Instructor Teacher Resources Intended Role: Instructor eText Container Economics Florida Teacher's Edition eText Economics Florida eText