collect quantitative data using the International System of Units (SI) and qualitative data as evidence;

describe how to access and interpret a sample credit report and score;

complete complex sentences with subject-verb agreement and avoidance of splices, run-ons, and fragments;

organize quantitative and qualitative data using probeware, spreadsheets, lab notebooks or journals, models, diagrams, graphs paper, computers, or cellphone applications;

describe the importance of monitoring credit reports regularly and addressing mistakes;

consistent, appropriate use of verb tenses;

develop and use models to represent phenomena, systems, processes, or solutions to engineering problems; and

identify factors that could lead to bankruptcy such as medical expenses, job loss, divorce, or a failed business; and

conjunctive adverbs;

distinguish between scientific hypotheses, theories, and laws.

appraise the impact of borrowing decisions on credit score, including consequences of poor credit management and bankruptcy.

Scientific and engineering practices. The student analyzes and interprets data to derive meaning, identify features and patterns, and discover relationships or correlations to develop evidence-based arguments or evaluate designs. The student is expected to:

Credit and borrowing. The student evaluates a decision to use credit. The student is expected to:

prepositions and prepositional phrases and their influence on subject-verb agreement;

identify advantages and limitations of models such as their size, scale, properties, and materials;

examine the components of the cost of borrowing, including annual percentage rate (APR), fixed versus variable interest, length of term, grace period, and additional fees such as late payment, cash advance, and prepayment penalties;

pronouns, including relative;

analyze data by identifying significant statistical features, patterns, sources of error, and limitations;

explain strategies to reduce total cost of borrowing such as making a higher down payment and additional principal payments; and

subordinating conjunctions to form complex sentences and correlative conjunctions such as either/or and neither/nor;

use mathematical calculations to assess quantitative relationships in data; and

differentiate between the use and cost of debit and credit cards.

capitalization of proper nouns, including abbreviations, initials, acronyms, and organizations;

punctuation marks, including commas in complex sentences, transitions, and introductory elements; and

evaluate experimental and engineering designs.

Insuring and protecting. The student recognizes financial risks faced by individuals and families and identifies strategies for handling these risks. The student is expected to:

correct spelling, including commonly confused terms such as its/it's, affect/effect, there/their/they're, and to/two/too; and

Scientific and engineering practices. The student develops evidence-based explanations and communicates findings, conclusions, and proposed solutions. The student is expected to:

identify risk as potential loss of assets or earning potential; and

publish written work for appropriate audiences.

develop explanations and propose solutions supported by data and models consistent with scientific ideas, principles, and theories;

apply risk management strategies, including avoiding, reducing, retaining, and transferring risk.

Composition: listening, speaking, reading, writing, and thinking using multiple texts--genres. The student uses genre characteristics and craft to compose multiple texts that are meaningful. The student is expected to:

communicate explanations and solutions individually and collaboratively in a variety of settings and formats; and

Insuring and protecting. The student identifies the costs and benefits of insurance for transferring risk. The student is expected to:

engage respectfully in scientific argumentation using applied scientific explanations and empirical evidence.

define insurance terminology, including premiums, deductibles, co-pays, and policy limits;

compose literary texts such as personal narratives, fiction, and poetry using genre characteristics and craft;

Scientific and engineering practices. The student knows the contributions of scientists and recognizes the importance of scientific research and innovation on society. The student is expected to:

explain the costs and benefits of different types and sources of health insurance such as individual health plans, employer-provided health plans, and government-provided health plans;

compose informational texts, including multi-paragraph essays that convey information about a topic, using a clear controlling idea or thesis statement and genre characteristics and craft;

analyze, evaluate, and critique scientific explanations and solutions by using empirical evidence, logical reasoning, and experimental and observational testing, so as to encourage critical thinking by the student;

explain the costs and benefits of disability and long-term care insurance;

compose multi-paragraph argumentative texts using genre characteristics and craft; and

relate the impact of past and current research on scientific thought and society, including research methodology, cost-benefit analysis, and contributions of diverse scientists as related to the content; and

explain the costs and benefits of life insurance, including term insurance and whole life insurance;

compose correspondence that reflects an opinion, registers a complaint, or requests information in a business or friendly structure.

Inquiry and research: listening, speaking, reading, writing, and thinking using multiple texts. The student engages in both short-term and sustained recursive inquiry processes for a variety of purposes. The student is expected to:

research and explore resources such as museums, planetariums, observatories, libraries, professional organizations, private companies, online platforms, and mentors employed in a science, technology, engineering, and mathematics (STEM) field in order to investigate STEM careers.

explain the costs and benefits of property insurance, including homeowner's and renter's insurance;