{
  "packId": "money-101",
  "packName": "Money 101",
  "packVersion": "0.1.4",
  "icon": "💵",
  "shortName": "Money 101",
  "description": "A calm, beginner-friendly foundation for cash flow, banking, saving, credit, debt, taxes, insurance, retirement, and scam resistance in the United States.",
  "author": "Flash Feed",
  "language": "en",
  "tagsVocabulary": [
    "foundations",
    "budgeting",
    "banking",
    "saving",
    "credit",
    "debt",
    "taxes",
    "insurance",
    "retirement",
    "fraud-prevention"
  ],
  "items": [
    {
      "id": "m101-fact-money-tool",
      "shape": "fact",
      "title": "Money Is a Tool",
      "body": "Money can support needs, priorities, and choices. It is not a measure of intelligence, discipline, or human worth.",
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Editorial photograph of an adult calmly reviewing household finances at a kitchen table, supportive and nonjudgmental mood, natural light, no readable text, no logos.",
        "imageSearchTerm": "person reviewing household finances calmly",
        "alt": "A person calmly reviewing household finances",
        "credit": "Pexels · Mikhail Nilov · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/couple-looking-at-their-bills-6964105/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-money-tool.webp"
      },
      "tags": [
        "lesson-1",
        "behavior",
        "money-101"
      ],
      "uid": "1e45aar1kng99v"
    },
    {
      "id": "m101-fact-systems-beat-shame",
      "shape": "fact",
      "title": "Systems Beat Shame",
      "body": "A useful plan changes defaults, timing, and friction. Shame may create urgency, but it rarely creates a durable financial routine.",
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Documentary photograph of hands organizing bills, a blank calendar, and simple envelopes on a table, practical household system, no readable text, no logos.",
        "imageSearchTerm": "couple organizing household bills at table",
        "alt": "A household organizing bills and a calendar",
        "credit": "Unsplash · Vitaly Gariev · Unsplash License",
        "creditUrl": "https://unsplash.com/photos/couple-sitting-at-kitchen-table-with-pastries-WyyP2PsmwKw",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-systems-beat-shame.webp"
      },
      "tags": [
        "lesson-1",
        "behavior",
        "money-101"
      ],
      "uid": "1ijfvmfmbee9h"
    },
    {
      "id": "m101-pair-values-based-spending",
      "shape": "pair",
      "sideA": {
        "modality": "text",
        "value": "Values-based spending"
      },
      "sideB": {
        "modality": "text",
        "value": "Directing money toward priorities you have deliberately chosen"
      },
      "tags": [
        "lesson-1",
        "behavior",
        "money-101"
      ],
      "uid": "imwtpbt5erx"
    },
    {
      "id": "m101-def-financial-friction",
      "shape": "definition",
      "term": {
        "modality": "text",
        "value": "Financial friction"
      },
      "definition": {
        "modality": "text",
        "value": "Any obstacle that makes a helpful money action harder, or an unhelpful action easier, to take."
      },
      "curatedDistractors": [
        "Liability",
        "Irregular expense",
        "Pay yourself first"
      ],
      "tags": [
        "lesson-1",
        "behavior",
        "money-101"
      ],
      "uid": "1fbaanrb4oyct"
    },
    {
      "id": "m101-mcq-values-1",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Which question best begins a values-based money plan?"
      },
      "options": [
        {
          "modality": "text",
          "value": "How can I copy a celebrity's budget?",
          "short": "How do I copy a celeb's budget?"
        },
        {
          "modality": "text",
          "value": "What purchase will look most successful?",
          "short": "What purchase looks successful?"
        },
        {
          "modality": "text",
          "value": "Which account has the most features?",
          "short": "Which account has most features?"
        },
        {
          "modality": "text",
          "value": "What do I want my money to protect or make possible?",
          "short": "What should money make possible?"
        }
      ],
      "correctIndex": 3,
      "explanation": "Values clarify why tradeoffs matter before products or tactics are selected.",
      "tags": [
        "lesson-1",
        "behavior",
        "money-101"
      ],
      "uid": "ndkhxm1wjo6dq"
    },
    {
      "id": "m101-mcq-values-2",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "A savings transfer repeatedly fails because it occurs before payday. What is the best first change?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Increase the transfer amount",
          "short": "Increase the transfer amount"
        },
        {
          "modality": "text",
          "value": "Stop reviewing the account",
          "short": "Stop reviewing the account"
        },
        {
          "modality": "text",
          "value": "Move the transfer to just after payday",
          "short": "Move it to just after payday"
        },
        {
          "modality": "text",
          "value": "Open several new credit cards",
          "short": "Open several new credit cards"
        }
      ],
      "correctIndex": 2,
      "explanation": "Changing timing removes friction and is more durable than demanding more willpower.",
      "tags": [
        "lesson-1",
        "behavior",
        "money-101"
      ],
      "uid": "1uel0b0cgwcz2"
    },
    {
      "id": "m101-mcq-values-3",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Which statement reflects a nonjudgmental review?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Every unplanned purchase proves irresponsibility",
          "short": "Splurges prove irresponsibility"
        },
        {
          "modality": "text",
          "value": "Net worth determines personal value",
          "short": "Net worth defines personal value"
        },
        {
          "modality": "text",
          "value": "A perfect budget should never change",
          "short": "A perfect budget never changes"
        },
        {
          "modality": "text",
          "value": "Past spending is evidence about the system and circumstances",
          "short": "Past spending is data—not blame"
        }
      ],
      "correctIndex": 3,
      "explanation": "A useful review studies patterns without turning them into a moral verdict.",
      "tags": [
        "lesson-1",
        "behavior",
        "money-101"
      ],
      "uid": "js48t71xkzyl5"
    },
    {
      "id": "m101-mcq-values-4",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Why can cash reserves create freedom?"
      },
      "options": [
        {
          "modality": "text",
          "value": "They eliminate every future expense",
          "short": "They eliminate all future expenses"
        },
        {
          "modality": "text",
          "value": "They preserve options when an unexpected need appears",
          "short": "They preserve options in surprises"
        },
        {
          "modality": "text",
          "value": "They make insurance unnecessary",
          "short": "They make insurance unnecessary"
        },
        {
          "modality": "text",
          "value": "They guarantee investment gains",
          "short": "They guarantee investment gains"
        }
      ],
      "correctIndex": 1,
      "explanation": "Liquid savings can create time and choices during shocks; it cannot eliminate all risk.",
      "tags": [
        "lesson-1",
        "behavior",
        "money-101"
      ],
      "uid": "1ar0fanxlcq3l"
    },
    {
      "id": "m101-mcq-values-5",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Which approach is most likely to last?"
      },
      "options": [
        {
          "modality": "text",
          "value": "A mathematically perfect plan that cannot survive one surprise",
          "short": "Perfect plan, no room for surprise"
        },
        {
          "modality": "text",
          "value": "A realistic plan with useful defaults and room to adjust",
          "short": "Realistic plan with room to adjust"
        },
        {
          "modality": "text",
          "value": "A plan based only on daily motivation",
          "short": "Plan based on daily motivation"
        },
        {
          "modality": "text",
          "value": "A plan that hides uncomfortable account balances",
          "short": "Plan that hides account balances"
        }
      ],
      "correctIndex": 1,
      "explanation": "Durable systems fit actual behavior and can adapt when conditions change.",
      "tags": [
        "lesson-1",
        "behavior",
        "money-101"
      ],
      "uid": "tuge401s30ro8"
    },
    {
      "id": "m101-proc-money-values",
      "shape": "procedure",
      "goal": "Connect money choices to values",
      "steps": [
        "Name three things you want money to protect or enable",
        "Choose one priority for the next three months",
        "Identify one current expense that supports it",
        "Identify one expense that competes with it",
        "Change one automatic transfer, reminder, or spending rule"
      ],
      "notes": "The goal is one useful adjustment, not a complete life redesign.",
      "tags": [
        "lesson-1",
        "behavior",
        "money-101",
        "practice"
      ],
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Editorial photograph of a person arranging blank priority cards for family, health, time, and security beside a simple money plan, reflective and practical, no readable text, no logos.",
        "imageSearchTerm": "person planning personal life goals notebook",
        "alt": "A person connecting money choices to personal priorities",
        "credit": "Unsplash · Glenn Carstens-Peters · Unsplash License",
        "creditUrl": "https://unsplash.com/photos/person-writing-bucket-list-on-book-RLw-UC03Gwc",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-proc-money-values.webp"
      },
      "uid": "doiwf9ll0yyp"
    },
    {
      "id": "m101-fact-net-worth-equation",
      "shape": "fact",
      "title": "The Net Worth Equation",
      "body": "Net worth equals assets minus liabilities. It is a tracking measure, not a grade on your life.",
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Editorial overhead photograph of a person making two simple columns for belongings and debts in a notebook beside a calculator, no readable text, no logos.",
        "imageSearchTerm": "person listing assets and debts notebook",
        "alt": "A person listing assets and debts",
        "credit": "Pexels · www.kaboompics.com · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/man-writing-on-a-notebook-6329021/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-net-worth-equation.webp"
      },
      "tags": [
        "lesson-1",
        "snapshot",
        "money-101"
      ],
      "uid": "1m1c0zy18udo5q"
    },
    {
      "id": "m101-fact-snapshot-two-views",
      "shape": "fact",
      "title": "Two Different Views",
      "body": "Net worth describes a point in time. Cash flow describes money received and spent during a period, such as a month.",
      "tags": [
        "lesson-1",
        "snapshot",
        "money-101"
      ],
      "illustration": {
        "kind": "photo",
        "imagePrompt": "A person at a table comparing a printed net worth statement with a monthly budget calendar, a calculator resting nearby.",
        "imageSearchTerm": "person reviewing financial statement",
        "alt": "A household comparing net worth and monthly cash flow",
        "depictable": true,
        "credit": "Pexels · Pavel Danilyuk",
        "creditUrl": "https://www.pexels.com/photo/a-person-holding-a-financial-statement-7658352/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-snapshot-two-views.webp"
      },
      "uid": "5o1yd7fi4av9"
    },
    {
      "id": "m101-pair-asset",
      "shape": "pair",
      "sideA": {
        "modality": "text",
        "value": "Asset"
      },
      "sideB": {
        "modality": "text",
        "value": "Something you own that has financial value"
      },
      "tags": [
        "lesson-1",
        "snapshot",
        "money-101"
      ],
      "uid": "1p3xnrk1t123lq"
    },
    {
      "id": "m101-def-liability",
      "shape": "definition",
      "term": {
        "modality": "text",
        "value": "Liability"
      },
      "definition": {
        "modality": "text",
        "value": "Money or another financial obligation that you owe."
      },
      "curatedDistractors": [
        "Irregular expense",
        "Pay yourself first",
        "Reconciliation"
      ],
      "tags": [
        "lesson-1",
        "snapshot",
        "money-101"
      ],
      "uid": "1o8ay0xs1rnez"
    },
    {
      "id": "m101-mcq-snapshot-1",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "A household has $40,000 of assets and $55,000 of liabilities. What is its net worth?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Negative $15,000"
        },
        {
          "modality": "text",
          "value": "Positive $40,000"
        },
        {
          "modality": "text",
          "value": "Negative $55,000"
        },
        {
          "modality": "text",
          "value": "Positive $15,000"
        }
      ],
      "correctIndex": 0,
      "explanation": "Assets minus liabilities equals $40,000 minus $55,000, or negative $15,000.",
      "tags": [
        "lesson-1",
        "snapshot",
        "money-101"
      ],
      "uid": "tyjnsj1qt8x8v"
    },
    {
      "id": "m101-mcq-snapshot-2",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Which item belongs in a monthly cash-flow view?"
      },
      "options": [
        {
          "modality": "text",
          "value": "The remaining mortgage principal",
          "short": "Remaining mortgage principal"
        },
        {
          "modality": "text",
          "value": "The current retirement-account balance",
          "short": "Current retirement balance"
        },
        {
          "modality": "text",
          "value": "The home's estimated market value",
          "short": "Home's estimated market value"
        },
        {
          "modality": "text",
          "value": "Take-home pay received this month",
          "short": "Take-home pay this month"
        }
      ],
      "correctIndex": 3,
      "explanation": "Cash flow tracks money received and spent during a period; the other choices are balance-sheet amounts.",
      "tags": [
        "lesson-1",
        "snapshot",
        "money-101"
      ],
      "uid": "93wtprc3napd"
    },
    {
      "id": "m101-mcq-snapshot-3",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Which statement about negative net worth is most accurate?"
      },
      "options": [
        {
          "modality": "text",
          "value": "It should be hidden until all debts are gone",
          "short": "It must be hidden until debt-free"
        },
        {
          "modality": "text",
          "value": "It proves a household can never recover",
          "short": "It proves you can never recover"
        },
        {
          "modality": "text",
          "value": "It means monthly cash flow must also be negative",
          "short": "Cash flow must also be negative"
        },
        {
          "modality": "text",
          "value": "It is a starting measurement that can improve over time",
          "short": "A starting point that can improve"
        }
      ],
      "correctIndex": 3,
      "explanation": "Net worth is a point-in-time measure, not a permanent identity or a cash-flow diagnosis.",
      "tags": [
        "lesson-1",
        "snapshot",
        "money-101"
      ],
      "uid": "54t7v215nuk6g"
    },
    {
      "id": "m101-mcq-snapshot-4",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Which is a liability?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Cash in a savings account",
          "short": "Cash in a savings account"
        },
        {
          "modality": "text",
          "value": "A paid-off bicycle with resale value",
          "short": "Paid-off bike with resale value"
        },
        {
          "modality": "text",
          "value": "An unpaid student-loan balance",
          "short": "Unpaid student-loan balance"
        },
        {
          "modality": "text",
          "value": "Shares held in a retirement account",
          "short": "Shares in a retirement account"
        }
      ],
      "correctIndex": 2,
      "explanation": "A loan balance is an amount owed; the other choices are assets.",
      "tags": [
        "lesson-1",
        "snapshot",
        "money-101"
      ],
      "uid": "kqrgdv19t3uzt"
    },
    {
      "id": "m101-mcq-snapshot-5",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Why track both cash flow and net worth?"
      },
      "options": [
        {
          "modality": "text",
          "value": "They always move by exactly the same amount",
          "short": "They always move by the same amount"
        },
        {
          "modality": "text",
          "value": "They reveal different kinds of financial change",
          "short": "They show different kinds of change"
        },
        {
          "modality": "text",
          "value": "They replace the need to review account statements",
          "short": "They replace reviewing statements"
        },
        {
          "modality": "text",
          "value": "They guarantee a correct investment strategy",
          "short": "They ensure a correct strategy"
        }
      ],
      "correctIndex": 1,
      "explanation": "Cash flow shows period activity while net worth shows assets and obligations at a point in time.",
      "tags": [
        "lesson-1",
        "snapshot",
        "money-101"
      ],
      "uid": "17leaya1hzw1c6"
    },
    {
      "id": "m101-proc-financial-snapshot",
      "shape": "procedure",
      "goal": "Create a one-page financial snapshot",
      "steps": [
        "List cash, investments, and other material assets",
        "List each debt and its current balance",
        "Subtract liabilities from assets",
        "Record monthly take-home income",
        "Record recurring bills, minimum debt payments, and typical flexible spending",
        "Schedule a monthly update"
      ],
      "notes": "Use reasonable estimates to begin, then replace them with statement balances.",
      "tags": [
        "lesson-1",
        "snapshot",
        "money-101",
        "practice"
      ],
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Overhead editorial photograph of a person compiling account balances, debts, income, and bills onto one clean planning page, no readable text, no logos.",
        "imageSearchTerm": "one page financial snapshot assets debts",
        "alt": "A person creating a one-page financial snapshot",
        "credit": "Pexels · Jakub Zerdzicki · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/man-hands-key-cash-and-papers-16695381/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-proc-financial-snapshot.webp"
      },
      "uid": "1vv9q9cu55z8g"
    },
    {
      "id": "m101-fact-budget-plan",
      "shape": "fact",
      "title": "A Budget Is a Plan",
      "body": "A budget assigns available money to current obligations and priorities. It should be revised when income, costs, or goals change.",
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Warm editorial photograph of adults planning a monthly household budget at a kitchen table with calculator and blank calendar, no readable text, no logos.",
        "imageSearchTerm": "family planning monthly budget kitchen table",
        "alt": "A household planning a monthly budget",
        "credit": "Pexels · Mikhail Nilov · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/an-anxious-man-holding-a-cup-sitting-beside-a-woman-with-a-paper-6963887/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-budget-plan.webp"
      },
      "tags": [
        "lesson-2",
        "map",
        "money-101"
      ],
      "uid": "rg32buo5d5vk"
    },
    {
      "id": "m101-fact-timing-matters",
      "shape": "fact",
      "title": "Timing Can Cause a Shortfall",
      "body": "A monthly total can look balanced while the checking account goes negative because bills leave before income arrives.",
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Overhead documentary photograph of blank bill envelopes and payday markers arranged across a monthly calendar, emphasizing timing, no readable text, no logos.",
        "imageSearchTerm": "monthly calendar bills payment planning",
        "alt": "Bills and paydays arranged on a calendar",
        "credit": "Unsplash · Towfiqu barbhuiya · Unsplash License",
        "creditUrl": "https://unsplash.com/photos/a-calendar-with-red-push-buttons-pinned-to-it-bwOAixLG0uc",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-timing-matters.webp"
      },
      "tags": [
        "lesson-2",
        "map",
        "money-101"
      ],
      "uid": "19tkqf17c6n5"
    },
    {
      "id": "m101-pair-gross-income",
      "shape": "pair",
      "sideA": {
        "modality": "text",
        "value": "Gross income"
      },
      "sideB": {
        "modality": "text",
        "value": "Income before taxes and other deductions"
      },
      "tags": [
        "lesson-2",
        "map",
        "money-101"
      ],
      "uid": "1gxw3oz8dichd"
    },
    {
      "id": "m101-def-irregular-expense",
      "shape": "definition",
      "term": {
        "modality": "text",
        "value": "Irregular expense"
      },
      "definition": {
        "modality": "text",
        "value": "A predictable cost, such as an annual premium or holiday travel, that does not occur every month."
      },
      "curatedDistractors": [
        "Reconciliation",
        "Ownership category",
        "Liquidity"
      ],
      "tags": [
        "lesson-2",
        "map",
        "money-101"
      ],
      "uid": "136y9k3196d1il"
    },
    {
      "id": "m101-mcq-map-1",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Which amount is usually the best starting point for a household spending plan?"
      },
      "options": [
        {
          "modality": "text",
          "value": "The employer's total payroll cost",
          "short": "Employer's total payroll cost"
        },
        {
          "modality": "text",
          "value": "The highest past paycheck",
          "short": "Highest past paycheck"
        },
        {
          "modality": "text",
          "value": "The total credit limit",
          "short": "Total credit limit"
        },
        {
          "modality": "text",
          "value": "Take-home income",
          "short": "Monthly take-home income"
        }
      ],
      "correctIndex": 3,
      "explanation": "Take-home income is the amount available after payroll taxes and deductions.",
      "tags": [
        "lesson-2",
        "map",
        "money-101"
      ],
      "uid": "w7ssizmdxjyb"
    },
    {
      "id": "m101-mcq-map-2",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "An annual car-registration bill is best treated as what kind of expense?"
      },
      "options": [
        {
          "modality": "text",
          "value": "A monthly fixed expense",
          "short": "A monthly fixed expense"
        },
        {
          "modality": "text",
          "value": "A predictable irregular expense",
          "short": "A predictable irregular cost"
        },
        {
          "modality": "text",
          "value": "A form of earned income",
          "short": "A form of earned income"
        },
        {
          "modality": "text",
          "value": "An unknowable emergency",
          "short": "An entirely unknowable emergency"
        }
      ],
      "correctIndex": 1,
      "explanation": "The date and approximate amount can be anticipated even though the bill is not monthly.",
      "tags": [
        "lesson-2",
        "map",
        "money-101"
      ],
      "uid": "1gru2ag1wghd0a"
    },
    {
      "id": "m101-mcq-map-3",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "A household has enough monthly income but overdrafts before payday. What should it inspect first?"
      },
      "options": [
        {
          "modality": "text",
          "value": "The home's market value",
          "short": "Home's market value"
        },
        {
          "modality": "text",
          "value": "The retirement account's asset mix",
          "short": "Retirement account's asset mix"
        },
        {
          "modality": "text",
          "value": "The credit score's model version",
          "short": "Credit score's model version"
        },
        {
          "modality": "text",
          "value": "The dates of income and bill payments",
          "short": "Dates of income and bills"
        }
      ],
      "correctIndex": 3,
      "explanation": "The symptom points to cash-flow timing rather than insufficient monthly income.",
      "tags": [
        "lesson-2",
        "map",
        "money-101"
      ],
      "uid": "xd8poa1rpskn6"
    },
    {
      "id": "m101-mcq-map-4",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Which expense is most likely variable?"
      },
      "options": [
        {
          "modality": "text",
          "value": "A grocery total that changes each week",
          "short": "Grocery bill varies weekly"
        },
        {
          "modality": "text",
          "value": "A level monthly loan payment",
          "short": "Level monthly loan payment"
        },
        {
          "modality": "text",
          "value": "An annual license renewal",
          "short": "Annual license renewal"
        },
        {
          "modality": "text",
          "value": "A fixed-rate rent payment",
          "short": "Fixed-rate rent payment"
        }
      ],
      "correctIndex": 0,
      "explanation": "Variable expenses change with use, price, or choice.",
      "tags": [
        "lesson-2",
        "map",
        "money-101"
      ],
      "uid": "8xw2ki135muks"
    },
    {
      "id": "m101-mcq-map-5",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "What does a recurring monthly deficit mean?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Assets exceed liabilities",
          "short": "Assets exceed liabilities"
        },
        {
          "modality": "text",
          "value": "Every bill is due on the same day",
          "short": "Every bill due the same day"
        },
        {
          "modality": "text",
          "value": "Planned outflows exceed available income",
          "short": "Outflows exceed income"
        },
        {
          "modality": "text",
          "value": "The household has no credit history",
          "short": "Household has no credit history"
        }
      ],
      "correctIndex": 2,
      "explanation": "A deficit is a cash-flow gap that requires changed income, spending, terms, or support.",
      "tags": [
        "lesson-2",
        "map",
        "money-101"
      ],
      "uid": "m0a1qv1r3rinv"
    },
    {
      "id": "m101-proc-cash-flow-map",
      "shape": "procedure",
      "goal": "Map one month of cash flow",
      "steps": [
        "Record each expected deposit and its date",
        "Record bills, minimum payments, and their due dates",
        "Estimate flexible spending by week",
        "Add irregular costs expected during the month",
        "Mark any day the projected balance becomes too low",
        "Adjust timing, amounts, or a checking buffer"
      ],
      "notes": "Use actual statements after the month to improve the next estimate.",
      "tags": [
        "lesson-2",
        "map",
        "money-101",
        "practice"
      ],
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Editorial overhead photograph of deposits and bill envelopes mapped across a monthly calendar to reveal low-balance days, no readable text, no logos.",
        "imageSearchTerm": "monthly cash flow calendar mapping",
        "alt": "Income and bills mapped across a monthly calendar",
        "credit": "Pexels · RDNE Stock project · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/a-person-writing-on-calendar-6172482/",
        "subject": "A woman in a white lace top at an office desk (monitor and keyboard behind) writing with a blue marker on a large mostly blank monthly desk-calendar pad; one small upside-down handwritten entry resembling 'Meeting w/ ... 5:30' in a day box",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-proc-cash-flow-map.webp"
      },
      "uid": "2inqhx10chzef"
    },
    {
      "id": "m101-fact-no-perfect-budget",
      "shape": "fact",
      "title": "No Universal Best Budget",
      "body": "The best method is the lightest one that produces reliable decisions for your income pattern, obligations, and habits.",
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Editorial photograph of several distinct budgeting approaches represented by blank notebooks, envelopes, and automatic-transfer setup on a phone, no readable text, no logos.",
        "imageSearchTerm": "different household budgeting methods notebooks",
        "alt": "Different budgeting methods on a desk",
        "credit": "Pexels · www.kaboompics.com · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/woman-computing-while-holding-dollar-bills-5900187/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-no-perfect-budget.webp"
      },
      "tags": [
        "lesson-2",
        "methods",
        "money-101"
      ],
      "uid": "11oxlv73yy6p1"
    },
    {
      "id": "m101-fact-percentages-heuristic",
      "shape": "fact",
      "title": "Percentages Are a Starting Point",
      "body": "The 50/30/20 framework is a heuristic, not a rule. High housing, caregiving, or health costs can make its categories unrealistic.",
      "tags": [
        "lesson-2",
        "methods",
        "money-101"
      ],
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Editorial overhead photograph of a household adapting three broad budget categories with movable blank cards rather than following a rigid formula, realistic costs, no readable text, no logos.",
        "imageSearchTerm": "budget percentage planning household",
        "alt": "A household adapting broad budget percentages",
        "credit": "Pexels · Atlantic Ambience · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/coins-on-documents-12932891/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-percentages-heuristic.webp"
      },
      "uid": "1k2nddk173qkke"
    },
    {
      "id": "m101-pair-zero-based-budget",
      "shape": "pair",
      "sideA": {
        "modality": "text",
        "value": "Zero-based budget"
      },
      "sideB": {
        "modality": "text",
        "value": "A plan that gives every available dollar a specific job"
      },
      "tags": [
        "lesson-2",
        "methods",
        "money-101"
      ],
      "uid": "194gily131ws3a"
    },
    {
      "id": "m101-def-pay-yourself-first",
      "shape": "definition",
      "term": {
        "modality": "text",
        "value": "Pay yourself first"
      },
      "definition": {
        "modality": "text",
        "value": "Moving money to savings or a goal before flexible spending occurs."
      },
      "curatedDistractors": [
        "Ownership category",
        "Liquidity",
        "Compound interest"
      ],
      "tags": [
        "lesson-2",
        "methods",
        "money-101"
      ],
      "uid": "1jctd0hfsejxj"
    },
    {
      "id": "m101-mcq-methods-1",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Who is most likely to benefit from a zero-based budget?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Someone who needs detailed control over where each dollar goes",
          "short": "Wants control over every dollar"
        },
        {
          "modality": "text",
          "value": "Someone seeking a deposit-insurance limit",
          "short": "Seeking a deposit-insurance limit"
        },
        {
          "modality": "text",
          "value": "Someone comparing life-insurance beneficiaries",
          "short": "Comparing insurance beneficiaries"
        },
        {
          "modality": "text",
          "value": "Someone disputing a credit-report error",
          "short": "Disputing a credit-report error"
        }
      ],
      "correctIndex": 0,
      "explanation": "Zero-based budgeting is a detailed allocation method.",
      "tags": [
        "lesson-2",
        "methods",
        "money-101"
      ],
      "uid": "rs4dmh1pqoytf"
    },
    {
      "id": "m101-mcq-methods-2",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "What is the best way to use the 50/30/20 framework?"
      },
      "options": [
        {
          "modality": "text",
          "value": "As a starting comparison that can be adapted",
          "short": "A starting comparison to adapt"
        },
        {
          "modality": "text",
          "value": "As proof that housing costs must be reduced immediately",
          "short": "Proof housing costs must drop now"
        },
        {
          "modality": "text",
          "value": "As a substitute for tracking take-home income",
          "short": "A substitute for tracking income"
        },
        {
          "modality": "text",
          "value": "As a legal requirement for every household",
          "short": "A legal requirement for households"
        }
      ],
      "correctIndex": 0,
      "explanation": "The percentages are a heuristic and may not fit local costs or obligations.",
      "tags": [
        "lesson-2",
        "methods",
        "money-101"
      ],
      "uid": "1syfmbkbncdo4"
    },
    {
      "id": "m101-mcq-methods-3",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "A person knows how much to save but repeatedly forgets. Which feature may help most?"
      },
      "options": [
        {
          "modality": "text",
          "value": "More spending categories",
          "short": "More spending categories"
        },
        {
          "modality": "text",
          "value": "An automatic transfer after payday",
          "short": "Auto-transfer after payday"
        },
        {
          "modality": "text",
          "value": "A longer loan term",
          "short": "A longer loan repayment term"
        },
        {
          "modality": "text",
          "value": "A hard credit inquiry",
          "short": "A hard credit inquiry"
        }
      ],
      "correctIndex": 1,
      "explanation": "Automation addresses an execution problem when the amount and timing are already understood.",
      "tags": [
        "lesson-2",
        "methods",
        "money-101"
      ],
      "uid": "1j91a5l2tlf8z"
    },
    {
      "id": "m101-mcq-methods-4",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Which plan best fits highly irregular income?"
      },
      "options": [
        {
          "modality": "text",
          "value": "A plan with no cash reserve",
          "short": "A plan with no cash reserve"
        },
        {
          "modality": "text",
          "value": "A fixed percentage based on gross revenue only",
          "short": "A fixed percent of gross revenue"
        },
        {
          "modality": "text",
          "value": "A plan that assumes the highest month repeats",
          "short": "Assumes the highest month repeats"
        },
        {
          "modality": "text",
          "value": "A conservative baseline plus a rule for surplus months",
          "short": "Low baseline plus a surplus rule"
        }
      ],
      "correctIndex": 3,
      "explanation": "A baseline protects essentials while a surplus rule allocates better months deliberately.",
      "tags": [
        "lesson-2",
        "methods",
        "money-101"
      ],
      "uid": "gbybpj04af"
    },
    {
      "id": "m101-mcq-methods-5",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Why include a small miscellaneous category?"
      },
      "options": [
        {
          "modality": "text",
          "value": "It replaces emergency savings",
          "short": "Replaces emergency savings"
        },
        {
          "modality": "text",
          "value": "It keeps normal variation from breaking the whole plan",
          "short": "Absorbs normal variation"
        },
        {
          "modality": "text",
          "value": "It guarantees a monthly surplus",
          "short": "Guarantees a monthly surplus"
        },
        {
          "modality": "text",
          "value": "It hides all overspending from review",
          "short": "Hides all overspending"
        }
      ],
      "correctIndex": 1,
      "explanation": "A small buffer makes the plan resilient without removing accountability.",
      "tags": [
        "lesson-2",
        "methods",
        "money-101"
      ],
      "uid": "dt72us10gxdey"
    },
    {
      "id": "m101-proc-choose-budget",
      "shape": "procedure",
      "goal": "Choose and test a budgeting method",
      "steps": [
        "Name the main problem: visibility, timing, overspending, or follow-through",
        "Choose one method that directly addresses that problem",
        "Set categories or transfers using realistic take-home income",
        "Run the plan for one month",
        "Compare planned and actual results",
        "Keep, simplify, or change the method"
      ],
      "notes": "Changing methods is useful when the current system does not produce reliable decisions.",
      "tags": [
        "lesson-2",
        "methods",
        "money-101",
        "practice"
      ],
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Documentary photograph of adults trying a simple budgeting method, comparing planned categories with actual receipts at month end, no readable text, no logos.",
        "imageSearchTerm": "woman envelope budgeting cash home",
        "alt": "A household testing a budgeting method",
        "credit": "Pexels · www.kaboompics.com · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/person-wearing-a-sweater-putting-money-inside-an-envelope-5899173/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-proc-choose-budget.webp"
      },
      "uid": "wedq9e1kgkaw4"
    },
    {
      "id": "m101-fact-checking-job",
      "shape": "fact",
      "title": "Checking Is an Operating Account",
      "body": "Checking accounts are designed for frequent deposits, payments, debit purchases, and cash access.",
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Editorial photograph of a person handling routine bills and checking-account transactions beside a debit card and phone, no readable text, no logos.",
        "imageSearchTerm": "person using checking account and bills",
        "alt": "A person managing everyday account transactions",
        "credit": "Pexels · cottonbro studio · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/overhead-shot-of-a-woman-holding-a-cheque-6862458/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-checking-job.webp"
      },
      "tags": [
        "lesson-3",
        "everyday",
        "money-101"
      ],
      "uid": "or5t831xr61vv"
    },
    {
      "id": "m101-fact-fees-vs-yield",
      "shape": "fact",
      "title": "Compare the Whole Account",
      "body": "A strong advertised yield may not help if monthly fees, minimums, or access restrictions do not fit how you use the account.",
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Documentary photograph of a consumer comparing blank bank account disclosure sheets, calculator, and laptop, no readable text, no logos.",
        "imageSearchTerm": "consumer comparing bank account statements calculator",
        "alt": "A person comparing bank account terms",
        "credit": "Unsplash · Towfiqu barbhuiya · Unsplash License",
        "creditUrl": "https://unsplash.com/photos/person-using-calculator-at-desk-with-coffee-mug-JhevWHCbVyw",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-fees-vs-yield.webp"
      },
      "tags": [
        "lesson-3",
        "everyday",
        "money-101"
      ],
      "uid": "18tp0i6i6ew8k"
    },
    {
      "id": "m101-pair-apy",
      "shape": "pair",
      "sideA": {
        "modality": "text",
        "value": "APY"
      },
      "sideB": {
        "modality": "text",
        "value": "Annual percentage yield, which includes compounding when expressing deposit growth"
      },
      "tags": [
        "lesson-3",
        "everyday",
        "money-101"
      ],
      "uid": "1sp3ajcbsjww2"
    },
    {
      "id": "m101-def-reconciliation",
      "shape": "definition",
      "term": {
        "modality": "text",
        "value": "Reconciliation"
      },
      "definition": {
        "modality": "text",
        "value": "Comparing your transaction record with the financial institution's record and resolving differences."
      },
      "curatedDistractors": [
        "Compound interest",
        "Hard inquiry",
        "Credit utilization"
      ],
      "tags": [
        "lesson-3",
        "everyday",
        "money-101"
      ],
      "uid": "1xeh76isca34u"
    },
    {
      "id": "m101-mcq-accounts-1",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Which account is usually designed for frequent bill payments and debit transactions?"
      },
      "options": [
        {
          "modality": "text",
          "value": "A certificate of deposit",
          "short": "Certificate of deposit"
        },
        {
          "modality": "text",
          "value": "A retirement annuity",
          "short": "Retirement annuity"
        },
        {
          "modality": "text",
          "value": "A brokerage margin account",
          "short": "Brokerage margin account"
        },
        {
          "modality": "text",
          "value": "A checking account",
          "short": "Checking account"
        }
      ],
      "correctIndex": 3,
      "explanation": "Checking accounts are operating accounts intended for routine transactions.",
      "tags": [
        "lesson-3",
        "everyday",
        "money-101"
      ],
      "uid": "1siiavu1g9i4fs"
    },
    {
      "id": "m101-mcq-accounts-2",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "What should a consumer compare in addition to an advertised APY?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Fees, minimums, access, and account rules",
          "short": "Fees & minimums & access"
        },
        {
          "modality": "text",
          "value": "Only the advertised APY",
          "short": "Only the advertised APY"
        },
        {
          "modality": "text",
          "value": "Only the sign-up bonus amount",
          "short": "Only the sign-up bonus amount"
        },
        {
          "modality": "text",
          "value": "Only the monthly maintenance fee",
          "short": "Only the monthly maintenance fee"
        }
      ],
      "correctIndex": 0,
      "explanation": "The full account terms determine whether the product fits and whether yield is preserved.",
      "tags": [
        "lesson-3",
        "everyday",
        "money-101"
      ],
      "uid": "lvczuxnzxw4v"
    },
    {
      "id": "m101-mcq-accounts-3",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Why might the displayed balance be unsafe to spend in full?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Pending transactions or holds may not be reflected yet",
          "short": "Pending holds not yet reflected"
        },
        {
          "modality": "text",
          "value": "APY is always charged as a fee",
          "short": "APY is always charged as a fee"
        },
        {
          "modality": "text",
          "value": "Savings accounts cannot receive deposits",
          "short": "Savings can't receive deposits"
        },
        {
          "modality": "text",
          "value": "Deposit insurance changes every hour",
          "short": "Deposit insurance changes hourly"
        }
      ],
      "correctIndex": 0,
      "explanation": "Reconciliation accounts for pending transactions, holds, and payments not yet posted.",
      "tags": [
        "lesson-3",
        "everyday",
        "money-101"
      ],
      "uid": "q4bopi1qqbjs2"
    },
    {
      "id": "m101-mcq-accounts-4",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Which action can reduce overdraft surprises?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Schedule every bill before deposits arrive",
          "short": "Pay bills before deposits arrive"
        },
        {
          "modality": "text",
          "value": "Ignore pending transactions",
          "short": "Ignore pending transactions"
        },
        {
          "modality": "text",
          "value": "Treat overdraft coverage as income",
          "short": "Treat overdraft coverage as income"
        },
        {
          "modality": "text",
          "value": "Set a low-balance alert and understand opt-in choices",
          "short": "Set alerts and know opt-in choices"
        }
      ],
      "correctIndex": 3,
      "explanation": "Alerts and informed account settings help prevent transactions from exceeding available funds.",
      "tags": [
        "lesson-3",
        "everyday",
        "money-101"
      ],
      "uid": "1skqq4w1f8np1u"
    },
    {
      "id": "m101-mcq-accounts-5",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "What does APY primarily help compare?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Annualized growth on deposit accounts",
          "short": "Growth rate on deposit accounts"
        },
        {
          "modality": "text",
          "value": "A credit score's risk category",
          "short": "A credit score's risk category"
        },
        {
          "modality": "text",
          "value": "A policy's insurance deductible",
          "short": "A policy's insurance deductible"
        },
        {
          "modality": "text",
          "value": "The cost of borrowing on a loan",
          "short": "The cost of borrowing on a loan"
        }
      ],
      "correctIndex": 0,
      "explanation": "APY includes compounding in an annualized deposit yield.",
      "tags": [
        "lesson-3",
        "everyday",
        "money-101"
      ],
      "uid": "vtymvx1jzl5xt"
    },
    {
      "id": "m101-proc-account-review",
      "shape": "procedure",
      "goal": "Review an everyday bank account",
      "steps": [
        "Download the current fee schedule",
        "Check maintenance and minimum-balance rules",
        "Review ATM and overdraft terms",
        "Turn on transaction and low-balance alerts",
        "List automatic payments and deposits",
        "Reconcile the account against your records monthly"
      ],
      "notes": "Choose features based on actual usage rather than promotional language.",
      "tags": [
        "lesson-3",
        "everyday",
        "money-101",
        "practice"
      ],
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Editorial photograph of a consumer reviewing account terms, automatic payments, and phone alerts beside a debit card, no readable text, no logos.",
        "imageSearchTerm": "consumer reviewing bank account fees alerts",
        "alt": "A consumer reviewing bank-account fees and alerts",
        "credit": "Pexels · RDNE Stock project · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/person-holding-white-printer-paper-7821672/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-proc-account-review.webp"
      },
      "uid": "1tgjnablrz919"
    },
    {
      "id": "m101-fact-fdic-rule",
      "shape": "fact",
      "title": "The Standard FDIC Rule",
      "body": "Eligible deposits are generally insured up to $250,000 per depositor, per FDIC-insured bank, for each account ownership category.",
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Editorial photograph of a consumer verifying a bank before depositing savings, official-looking but no visible seals, no readable text, no logos.",
        "imageSearchTerm": "bank customer teller counter deposit",
        "alt": "A consumer verifying an insured bank account",
        "credit": "Pexels · RDNE Stock project · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/person-counting-money-in-front-of-atm-5699376/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-fdic-rule.webp"
      },
      "tags": [
        "lesson-3",
        "protection",
        "money-101"
      ],
      "uid": "am717c1seteq2"
    },
    {
      "id": "m101-fact-investments-not-deposits",
      "shape": "fact",
      "title": "Investments Are Not Bank Deposits",
      "body": "Stocks, bonds, mutual funds, crypto assets, annuities, and safe-deposit-box contents are not covered by FDIC deposit insurance.",
      "tags": [
        "lesson-3",
        "protection",
        "money-101"
      ],
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Editorial photograph of a consumer sorting cash deposit products separately from investment holdings on two sides of a desk, clear distinction, no readable text, no logos.",
        "imageSearchTerm": "person comparing savings and investments laptop",
        "alt": "A consumer separating insured deposits from investments",
        "credit": "Unsplash · dlxmedia.hu · Unsplash License",
        "creditUrl": "https://unsplash.com/photos/person-working-on-a-laptop-with-a-cup-of-coffee-rqMWNKRLVuw",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-investments-not-deposits.webp"
      },
      "uid": "132ps0611a9msq"
    },
    {
      "id": "m101-pair-ncusif",
      "shape": "pair",
      "sideA": {
        "modality": "text",
        "value": "NCUSIF"
      },
      "sideB": {
        "modality": "text",
        "value": "The federal fund administered by NCUA that insures eligible shares at federally insured credit unions"
      },
      "tags": [
        "lesson-3",
        "protection",
        "money-101"
      ],
      "uid": "17gfnad18e9r4t"
    },
    {
      "id": "m101-def-ownership-category",
      "shape": "definition",
      "term": {
        "modality": "text",
        "value": "Ownership category"
      },
      "definition": {
        "modality": "text",
        "value": "The legal capacity in which deposit funds are held for federal insurance purposes."
      },
      "curatedDistractors": [
        "Hard inquiry",
        "Credit utilization",
        "APR"
      ],
      "tags": [
        "lesson-3",
        "protection",
        "money-101"
      ],
      "uid": "1rnxjvxda4ssb"
    },
    {
      "id": "m101-mcq-protection-1",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Which phrase correctly states the standard FDIC coverage framework?"
      },
      "options": [
        {
          "modality": "text",
          "value": "$250,000 per account number at every branch",
          "short": "$250K per account number, branch"
        },
        {
          "modality": "text",
          "value": "$250,000 per depositor, per insured bank, per ownership category",
          "short": "$250K/depositor, bank, category"
        },
        {
          "modality": "text",
          "value": "$100,000 per household across all banks",
          "short": "$100K per household, all banks"
        },
        {
          "modality": "text",
          "value": "$1 million for every product sold by a bank",
          "short": "$1M for every bank product"
        }
      ],
      "correctIndex": 1,
      "explanation": "Coverage is organized by depositor, insured bank, and ownership category—not by branch or account number alone.",
      "tags": [
        "lesson-3",
        "protection",
        "money-101"
      ],
      "uid": "v0255z1dtfgdv"
    },
    {
      "id": "m101-mcq-protection-2",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Which holding is generally an FDIC-insured deposit at an insured bank?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Jewelry in a safe-deposit box",
          "short": "Jewelry in a safe-deposit box"
        },
        {
          "modality": "text",
          "value": "Money in a savings account",
          "short": "Money in a savings account"
        },
        {
          "modality": "text",
          "value": "Shares of a stock fund",
          "short": "Shares of a stock fund"
        },
        {
          "modality": "text",
          "value": "Cryptocurrency in a wallet",
          "short": "Cryptocurrency in a wallet"
        }
      ],
      "correctIndex": 1,
      "explanation": "Savings accounts are deposit products; investments and box contents are not FDIC-insured.",
      "tags": [
        "lesson-3",
        "protection",
        "money-101"
      ],
      "uid": "1g2moco1xhbnss"
    },
    {
      "id": "m101-mcq-protection-3",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "What is the safest way to confirm an institution's federal insurance?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Use the official FDIC or NCUA lookup tool",
          "short": "Use the FDIC/NCUA lookup tool"
        },
        {
          "modality": "text",
          "value": "Rely on a social-media comment",
          "short": "Trust a social-media comment"
        },
        {
          "modality": "text",
          "value": "Assume every finance app is a bank",
          "short": "Assume any finance app is a bank"
        },
        {
          "modality": "text",
          "value": "Look only for the word secure in an advertisement",
          "short": "Look for 'secure' in an ad"
        }
      ],
      "correctIndex": 0,
      "explanation": "Official lookup tools identify insured institutions and avoid branding confusion.",
      "tags": [
        "lesson-3",
        "protection",
        "money-101"
      ],
      "uid": "mumsys1j15jvw"
    },
    {
      "id": "m101-mcq-protection-4",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Two checking accounts in one person's name at the same insured bank are usually treated how for coverage?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Insured separately because account numbers differ",
          "short": "Insured separately by account number"
        },
        {
          "modality": "text",
          "value": "Combined within the same ownership category",
          "short": "Combined in one ownership category"
        },
        {
          "modality": "text",
          "value": "Excluded because checking is transactional",
          "short": "Excluded: checking is transactional"
        },
        {
          "modality": "text",
          "value": "Combined with every account at every bank",
          "short": "Combined across all your banks"
        }
      ],
      "correctIndex": 1,
      "explanation": "Deposits in the same ownership category at the same bank are generally added together.",
      "tags": [
        "lesson-3",
        "protection",
        "money-101"
      ],
      "uid": "19rrqnrbv0s6n"
    },
    {
      "id": "m101-mcq-protection-5",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Which statement about brokerage products sold through a bank is accurate?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Every product in a bank lobby receives deposit insurance",
          "short": "Every bank-lobby product insured"
        },
        {
          "modality": "text",
          "value": "Mutual funds receive the same coverage as checking",
          "short": "Mutual funds covered like checking"
        },
        {
          "modality": "text",
          "value": "Their bank location does not make them FDIC-insured deposits",
          "short": "Bank-sold ≠ FDIC-insured deposit"
        },
        {
          "modality": "text",
          "value": "Market losses are reimbursed by FDIC",
          "short": "FDIC covers market losses"
        }
      ],
      "correctIndex": 2,
      "explanation": "Deposit insurance protects eligible deposits, not investment values.",
      "tags": [
        "lesson-3",
        "protection",
        "money-101"
      ],
      "uid": "18ihx69phmlnr"
    },
    {
      "id": "m101-proc-verify-insurance",
      "shape": "procedure",
      "goal": "Verify deposit protection",
      "steps": [
        "Identify the legal bank or credit-union name",
        "Check it in FDIC BankFind or NCUA's official lookup",
        "Confirm the product is an eligible deposit or share account",
        "Group balances by institution and ownership category",
        "Use an official insurance estimator if balances approach the limit",
        "Save the verification with account records"
      ],
      "notes": "Complex ownership or trust arrangements may require official guidance.",
      "tags": [
        "lesson-3",
        "protection",
        "money-101",
        "practice"
      ],
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Editorial photograph of a consumer independently verifying a bank or credit union and grouping account balances before depositing funds, no readable text, no visible agency seals, no logos.",
        "imageSearchTerm": "verify FDIC NCUA insured institution",
        "alt": "A consumer verifying federal deposit protection",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-proc-verify-insurance.webp",
        "credit": "Pexels · RDNE Stock project · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/a-person-using-a-magnifying-glass-on-a-document-7821674/"
      },
      "uid": "iytwgaej67ea"
    },
    {
      "id": "m101-fact-emergency-purpose",
      "shape": "fact",
      "title": "Emergency Savings Buys Recovery Time",
      "body": "A cash reserve can keep a repair or income interruption from immediately becoming high-cost debt.",
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Editorial photograph of a clearly separated emergency savings container beside an unexpected household repair scene, no readable labels, no logos.",
        "imageSearchTerm": "emergency savings jar repair bill",
        "alt": "Savings set aside beside an unexpected repair",
        "credit": "Pexels · www.kaboompics.com · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/a-person-using-rubber-band-to-tie-up-the-paper-money-7680562/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-emergency-purpose.webp"
      },
      "tags": [
        "lesson-4",
        "emergency",
        "money-101"
      ],
      "uid": "g0bx0w1rdtyl6"
    },
    {
      "id": "m101-fact-target-context",
      "shape": "fact",
      "title": "The Target Depends on Context",
      "body": "Three to six months of essential expenses is a common long-term guideline, not a universal starting requirement. Even a smaller buffer can improve resilience.",
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Documentary photograph of a household discussing a realistic emergency reserve with a calculator and blank planning sheet, calm tone, no readable text, no logos.",
        "imageSearchTerm": "couple planning emergency savings calculator",
        "alt": "A household setting an emergency savings target",
        "credit": "Unsplash · Vitaly Gariev · Unsplash License",
        "creditUrl": "https://unsplash.com/photos/elderly-couple-reviewing-documents-at-home-hnRs_icKhCI",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-target-context.webp"
      },
      "tags": [
        "lesson-4",
        "emergency",
        "money-101"
      ],
      "uid": "14omvjq1qcmtww"
    },
    {
      "id": "m101-pair-sinking-fund",
      "shape": "pair",
      "sideA": {
        "modality": "text",
        "value": "Sinking fund"
      },
      "sideB": {
        "modality": "text",
        "value": "Savings reserved for a known but nonmonthly future expense"
      },
      "tags": [
        "lesson-4",
        "emergency",
        "money-101"
      ],
      "uid": "dgn6y4dvo5m0"
    },
    {
      "id": "m101-def-liquidity",
      "shape": "definition",
      "term": {
        "modality": "text",
        "value": "Liquidity"
      },
      "definition": {
        "modality": "text",
        "value": "How quickly an asset can be converted to spendable cash without a significant loss of value."
      },
      "curatedDistractors": [
        "APR",
        "Debt consolidation",
        "Net pay"
      ],
      "tags": [
        "lesson-4",
        "emergency",
        "money-101"
      ],
      "uid": "jrmpj9gn4tfd"
    },
    {
      "id": "m101-mcq-emergency-1",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Which cost is best handled with a sinking fund?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Storm damage not known in advance",
          "short": "Unforeseen storm damage"
        },
        {
          "modality": "text",
          "value": "A sudden job loss",
          "short": "A sudden job loss"
        },
        {
          "modality": "text",
          "value": "An unplanned emergency-room bill",
          "short": "An unplanned ER bill"
        },
        {
          "modality": "text",
          "value": "A car registration due every year",
          "short": "Yearly car registration"
        }
      ],
      "correctIndex": 3,
      "explanation": "Registration is predictable even though it is not monthly.",
      "tags": [
        "lesson-4",
        "emergency",
        "money-101"
      ],
      "uid": "8ousju263klw"
    },
    {
      "id": "m101-mcq-emergency-2",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Why should emergency savings usually be liquid?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Liquid accounts cannot charge fees",
          "short": "Liquid accounts charge no fees"
        },
        {
          "modality": "text",
          "value": "Liquidity replaces insurance coverage",
          "short": "Liquidity replaces insurance"
        },
        {
          "modality": "text",
          "value": "The money may be needed quickly without taking a large loss",
          "short": "May be needed fast without loss"
        },
        {
          "modality": "text",
          "value": "Liquidity guarantees the highest return",
          "short": "Liquidity guarantees top returns"
        }
      ],
      "correctIndex": 2,
      "explanation": "Emergency funds prioritize safe access over maximum growth.",
      "tags": [
        "lesson-4",
        "emergency",
        "money-101"
      ],
      "uid": "1hvpb621szo654"
    },
    {
      "id": "m101-mcq-emergency-3",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "What is the best interpretation of a three-to-six-month guideline?"
      },
      "options": [
        {
          "modality": "text",
          "value": "A target based on gross lifetime income",
          "short": "Based on gross lifetime income"
        },
        {
          "modality": "text",
          "value": "A reason to avoid building a smaller starter buffer",
          "short": "A reason to skip a starter buffer"
        },
        {
          "modality": "text",
          "value": "A legal minimum before any saving counts",
          "short": "A legal minimum to save at all"
        },
        {
          "modality": "text",
          "value": "A longer-term starting point to adapt to household risk",
          "short": "Adapts to household risk"
        }
      ],
      "correctIndex": 3,
      "explanation": "Household stability and likely shocks determine an appropriate target.",
      "tags": [
        "lesson-4",
        "emergency",
        "money-101"
      ],
      "uid": "1s3obny1p3fsae"
    },
    {
      "id": "m101-mcq-emergency-4",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Which factor can justify a larger reserve?"
      },
      "options": [
        {
          "modality": "text",
          "value": "A guaranteed monthly paycheck and broad support",
          "short": "Steady paycheck, strong support"
        },
        {
          "modality": "text",
          "value": "A desire to maximize checking transactions",
          "short": "Wanting more checking transactions"
        },
        {
          "modality": "text",
          "value": "A lower insurance deductible than expected",
          "short": "A lower insurance deductible"
        },
        {
          "modality": "text",
          "value": "Highly variable income with several dependents",
          "short": "Uneven income, several dependents"
        }
      ],
      "correctIndex": 3,
      "explanation": "More income volatility and obligations increase the need for cash resilience.",
      "tags": [
        "lesson-4",
        "emergency",
        "money-101"
      ],
      "uid": "qeu41b105n7kp"
    },
    {
      "id": "m101-mcq-emergency-5",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Why keep emergency savings separate from everyday checking?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Separation can reduce accidental spending while preserving access",
          "short": "Cuts impulse spending; keeps access"
        },
        {
          "modality": "text",
          "value": "Separate accounts create automatic market gains",
          "short": "Separate accounts earn market gains"
        },
        {
          "modality": "text",
          "value": "Checking accounts are never federally insured",
          "short": "Checking is never federally insured"
        },
        {
          "modality": "text",
          "value": "Transfers between accounts are legally prohibited",
          "short": "Transfers are legally banned"
        }
      ],
      "correctIndex": 0,
      "explanation": "A separate account creates useful mental and operational boundaries.",
      "tags": [
        "lesson-4",
        "emergency",
        "money-101"
      ],
      "uid": "1qxw0zqm2pn5u"
    },
    {
      "id": "m101-proc-starter-buffer",
      "shape": "procedure",
      "goal": "Build a starter emergency buffer",
      "steps": [
        "List the most likely financial shocks",
        "Estimate one realistic starter target",
        "Choose a safe, accessible insured account",
        "Schedule a small transfer after income arrives",
        "Send windfalls or freed-up payments toward the target",
        "Review the amount after major life changes"
      ],
      "notes": "A target that grows consistently is more useful than an ambitious target that prevents starting.",
      "tags": [
        "lesson-4",
        "emergency",
        "money-101",
        "practice"
      ],
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Warm editorial photograph of a person setting aside a modest first emergency reserve next to common repair and medical-cost reminders, no readable text, no logos.",
        "imageSearchTerm": "building starter emergency savings buffer",
        "alt": "A person building a starter emergency savings buffer",
        "credit": "Pexels · Artful Homes · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/stack-of-coins-in-front-of-a-porcelain-house-20376766/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-proc-starter-buffer.webp"
      },
      "uid": "mdtd8muprhvo"
    },
    {
      "id": "m101-fact-automation-trigger",
      "shape": "fact",
      "title": "Attach Saving to a Trigger",
      "body": "A transfer scheduled just after payday or a rule for windfalls turns saving into a repeatable action instead of a monthly decision.",
      "illustration": {
        "kind": "photo",
        "imagePrompt": "A person's hand tapping a smartphone screen to set up an automatic bank transfer, a wall calendar in the background with one date circled in red.",
        "imageSearchTerm": "automatic transfer payday schedule",
        "alt": "A person setting an automatic savings transfer",
        "depictable": true,
        "credit": "Pexels · Towfiqu barbhuiya · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/a-person-holding-black-pen-pointing-on-calendar-11773871/",
        "subject": "A hand holding a blue pen beside a desk calendar with the 30th circled in red; a calculator and the edge of a tablet sit on a wooden desk, calendar header out of focus and unreadable",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-automation-trigger.webp"
      },
      "tags": [
        "lesson-4",
        "repeatable",
        "money-101"
      ],
      "uid": "1f17w70ywcpm6"
    },
    {
      "id": "m101-fact-compound-growth",
      "shape": "fact",
      "title": "Growth Can Earn Growth",
      "body": "With compounding, credited interest or returns become part of the balance that may earn future returns.",
      "tags": [
        "lesson-4",
        "repeatable",
        "money-101"
      ],
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Editorial still life of several small groups of coins growing across a long timeline, later groups visibly building on earlier growth, natural light, no charts or readable text, no logos.",
        "imageSearchTerm": "compound savings growth coins timeline",
        "alt": "Savings growing gradually through compounding",
        "credit": "Pexels · RDNE Stock project · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/stacks-of-coins-8369695/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-compound-growth.webp"
      },
      "uid": "1mj76lr8siet3"
    },
    {
      "id": "m101-pair-rule-of-72",
      "shape": "pair",
      "sideA": {
        "modality": "text",
        "value": "Rule of 72"
      },
      "sideB": {
        "modality": "text",
        "value": "A rough doubling-time estimate found by dividing 72 by an annual percentage rate"
      },
      "tags": [
        "lesson-4",
        "repeatable",
        "money-101"
      ],
      "uid": "bnpbzl1ilru6n"
    },
    {
      "id": "m101-def-compound-interest",
      "shape": "definition",
      "term": {
        "modality": "text",
        "value": "Compound interest"
      },
      "definition": {
        "modality": "text",
        "value": "Interest calculated on principal plus interest previously added to the balance."
      },
      "curatedDistractors": [
        "Debt consolidation",
        "Net pay",
        "Tax credit"
      ],
      "tags": [
        "lesson-4",
        "repeatable",
        "money-101"
      ],
      "uid": "15y0x4m1hbb9nu"
    },
    {
      "id": "m101-mcq-repeatable-1",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Which savings setup is most likely to be repeatable?"
      },
      "options": [
        {
          "modality": "text",
          "value": "A transfer larger than the checking balance",
          "short": "A transfer above your balance"
        },
        {
          "modality": "text",
          "value": "A goal with no account or trigger",
          "short": "A goal with no account or trigger"
        },
        {
          "modality": "text",
          "value": "A realistic automatic transfer scheduled after payday",
          "short": "Auto-transfer right after payday"
        },
        {
          "modality": "text",
          "value": "A transfer timed before unpredictable income",
          "short": "A transfer before income arrives"
        }
      ],
      "correctIndex": 2,
      "explanation": "A workable amount and reliable timing reduce friction and reversals.",
      "tags": [
        "lesson-4",
        "repeatable",
        "money-101"
      ],
      "uid": "1avhmtzvo9pd9"
    },
    {
      "id": "m101-mcq-repeatable-2",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Using the Rule of 72, about how long would 6% annual growth take to double?"
      },
      "options": [
        {
          "modality": "text",
          "value": "About 6 years"
        },
        {
          "modality": "text",
          "value": "About 24 years"
        },
        {
          "modality": "text",
          "value": "About 72 years"
        },
        {
          "modality": "text",
          "value": "About 12 years"
        }
      ],
      "correctIndex": 3,
      "explanation": "Seventy-two divided by six equals about twelve.",
      "tags": [
        "lesson-4",
        "repeatable",
        "money-101"
      ],
      "uid": "1jxhfpv1igglkb"
    },
    {
      "id": "m101-mcq-repeatable-3",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Which limitation applies to the Rule of 72?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Actual returns, taxes, fees, and rates can change",
          "short": "Returns/fees/taxes/rates vary"
        },
        {
          "modality": "text",
          "value": "It guarantees a doubling date",
          "short": "It guarantees a doubling date"
        },
        {
          "modality": "text",
          "value": "It requires a credit score above 720",
          "short": "Needs a credit score above 720"
        },
        {
          "modality": "text",
          "value": "It can only be used with checking accounts",
          "short": "Only works with checking accounts"
        }
      ],
      "correctIndex": 0,
      "explanation": "The rule is an estimate, not a forecast or guarantee.",
      "tags": [
        "lesson-4",
        "repeatable",
        "money-101"
      ],
      "uid": "1hu03605i5db0"
    },
    {
      "id": "m101-mcq-repeatable-4",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "What makes compound growth different from simple interest?"
      },
      "options": [
        {
          "modality": "text",
          "value": "The original principal is removed each year",
          "short": "Principal is removed yearly"
        },
        {
          "modality": "text",
          "value": "Previously credited growth can also earn future growth",
          "short": "Earlier growth earns growth"
        },
        {
          "modality": "text",
          "value": "The rate can never change",
          "short": "The rate can never change"
        },
        {
          "modality": "text",
          "value": "Fees are automatically reimbursed",
          "short": "Fees are auto-reimbursed"
        }
      ],
      "correctIndex": 1,
      "explanation": "Compounding adds prior growth to the base on which future growth may be calculated.",
      "tags": [
        "lesson-4",
        "repeatable",
        "money-101"
      ],
      "uid": "18mz7pju1fbj5"
    },
    {
      "id": "m101-mcq-repeatable-5",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Where should money needed for a near-term emergency generally be kept?"
      },
      "options": [
        {
          "modality": "text",
          "value": "In a product with a large surrender charge",
          "short": "A big surrender-charge product"
        },
        {
          "modality": "text",
          "value": "In a safe, accessible cash account",
          "short": "Safe & accessible cash account"
        },
        {
          "modality": "text",
          "value": "In a volatile concentrated stock",
          "short": "A volatile concentrated stock"
        },
        {
          "modality": "text",
          "value": "In an illiquid collectible",
          "short": "An illiquid collectible item"
        }
      ],
      "correctIndex": 1,
      "explanation": "Short horizons prioritize safety and access over uncertain returns.",
      "tags": [
        "lesson-4",
        "repeatable",
        "money-101"
      ],
      "uid": "imsefw1iftvpi"
    },
    {
      "id": "m101-proc-savings-system",
      "shape": "procedure",
      "goal": "Create a repeatable savings system",
      "steps": [
        "Give the goal a name, amount, and target date",
        "Choose an account suited to the time horizon",
        "Set a transfer amount that can succeed",
        "Schedule it after a reliable income event",
        "Create a rule for windfalls or extra income",
        "Review quarterly and raise the amount when sustainable"
      ],
      "notes": "Automation should support cash flow, not repeatedly overdraw it.",
      "tags": [
        "lesson-4",
        "repeatable",
        "money-101",
        "practice"
      ],
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Editorial photograph of named savings goals, a payday calendar, and a phone being used to schedule a realistic recurring transfer, no readable text, no logos.",
        "imageSearchTerm": "woman using banking app savings phone",
        "alt": "A person creating an automated savings system",
        "credit": "Unsplash · Atlantic Money · Unsplash License",
        "creditUrl": "https://unsplash.com/photos/a-woman-holding-a-cell-phone-in-her-hand-9XrefmwkHCs",
        "subject": "Close-up of a hand holding a smartphone displaying a real currency-conversion/international-transfer app screen (£2,000 → €2,312.87, delivery estimate, 'Continue' button) — a legible banking/fintech app in active use.",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-proc-savings-system.webp"
      },
      "uid": "m2zh3bq6wk1"
    },
    {
      "id": "m101-num-rule72-3",
      "shape": "numeric",
      "prompt": {
        "modality": "text",
        "value": "Approximate doubling time at 3% using the Rule of 72"
      },
      "value": 24,
      "unit": "years",
      "tolerance": 0,
      "tags": [
        "lesson-4",
        "repeatable",
        "money-101",
        "numeric"
      ],
      "uid": "1ojal0fvsv53p"
    },
    {
      "id": "m101-num-rule72-4",
      "shape": "numeric",
      "prompt": {
        "modality": "text",
        "value": "Approximate doubling time at 4% using the Rule of 72"
      },
      "value": 18,
      "unit": "years",
      "tolerance": 0,
      "tags": [
        "lesson-4",
        "repeatable",
        "money-101",
        "numeric"
      ],
      "uid": "1xbnndz182i3k5"
    },
    {
      "id": "m101-num-rule72-6",
      "shape": "numeric",
      "prompt": {
        "modality": "text",
        "value": "Approximate doubling time at 6% using the Rule of 72"
      },
      "value": 12,
      "unit": "years",
      "tolerance": 0,
      "tags": [
        "lesson-4",
        "repeatable",
        "money-101",
        "numeric"
      ],
      "uid": "1isvnlje4p16p"
    },
    {
      "id": "m101-num-rule72-8",
      "shape": "numeric",
      "prompt": {
        "modality": "text",
        "value": "Approximate doubling time at 8% using the Rule of 72"
      },
      "value": 9,
      "unit": "years",
      "tolerance": 0,
      "tags": [
        "lesson-4",
        "repeatable",
        "money-101",
        "numeric"
      ],
      "uid": "nzyctpc6lqy9"
    },
    {
      "id": "m101-num-rule72-9",
      "shape": "numeric",
      "prompt": {
        "modality": "text",
        "value": "Approximate doubling time at 9% using the Rule of 72"
      },
      "value": 8,
      "unit": "years",
      "tolerance": 0,
      "tags": [
        "lesson-4",
        "repeatable",
        "money-101",
        "numeric"
      ],
      "uid": "67pzklfrm7yh"
    },
    {
      "id": "m101-num-rule72-12",
      "shape": "numeric",
      "prompt": {
        "modality": "text",
        "value": "Approximate doubling time at 12% using the Rule of 72"
      },
      "value": 6,
      "unit": "years",
      "tolerance": 0,
      "tags": [
        "lesson-4",
        "repeatable",
        "money-101",
        "numeric"
      ],
      "uid": "bxqgdj1d1qlcl"
    },
    {
      "id": "m101-fact-score-not-morality",
      "shape": "fact",
      "title": "A Score Predicts Risk, Not Worth",
      "body": "A credit score estimates credit risk from report data. It does not measure character, income, or overall financial well-being.",
      "illustration": {
        "kind": "photo",
        "imagePrompt": "A person at a desk looking thoughtfully at a printed credit report, a laptop open beside them.",
        "imageSearchTerm": "person reviewing credit report",
        "alt": "A consumer reviewing a credit report",
        "depictable": true,
        "credit": "Pexels · Nataliya Vaitkevich · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/woman-in-black-long-sleeves-shirt-holding-papers-6919716/",
        "subject": "A young woman in a black top sitting on the floor against a sofa, hand at her temple, frowning as she reads a sheet of paper; a laptop showing a document behind her and more papers on a low table. No legible text.",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-score-not-morality.webp"
      },
      "tags": [
        "lesson-5",
        "reports",
        "money-101"
      ],
      "uid": "j04goii24qo"
    },
    {
      "id": "m101-fact-fico-factors",
      "shape": "fact",
      "title": "FICO Factors Vary by Profile",
      "body": "FICO's general categories are payment history, amounts owed, history length, new credit, and credit mix. Their influence can differ across credit files.",
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Overhead editorial photograph of five blank category cards representing credit factors beside a calculator, no readable text, no logos.",
        "imageSearchTerm": "credit score factors planning cards",
        "alt": "A person organizing factors that influence a credit score",
        "credit": "Pexels · Aukid phumsirichat · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/man-in-blue-dress-shirt-holding-three-credit-cards-4691474/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-fico-factors.webp"
      },
      "tags": [
        "lesson-5",
        "reports",
        "money-101"
      ],
      "uid": "1d4evqd4cvgkn"
    },
    {
      "id": "m101-pair-credit-report",
      "shape": "pair",
      "sideA": {
        "modality": "text",
        "value": "Credit report"
      },
      "sideB": {
        "modality": "text",
        "value": "A bureau's record of credit accounts, history, balances, and related information"
      },
      "tags": [
        "lesson-5",
        "reports",
        "money-101"
      ],
      "uid": "g4qb6221kkig"
    },
    {
      "id": "m101-def-hard-inquiry",
      "shape": "definition",
      "term": {
        "modality": "text",
        "value": "Hard inquiry"
      },
      "definition": {
        "modality": "text",
        "value": "A hard inquiry is a credit-file request generally caused by an application for new credit and may affect a score."
      },
      "curatedDistractors": [
        "Financial friction",
        "Liability",
        "Irregular expense"
      ],
      "tags": [
        "lesson-5",
        "reports",
        "money-101"
      ],
      "uid": "23r9271h2829f"
    },
    {
      "id": "m101-mcq-reports-1",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "What is the main difference between a credit report and a credit score?"
      },
      "options": [
        {
          "modality": "text",
          "value": "The report contains data; the score applies a model to report data",
          "short": "Report = data; score = model of it"
        },
        {
          "modality": "text",
          "value": "The report is a bank account; the score is its balance",
          "short": "Report = bank account; score = balance"
        },
        {
          "modality": "text",
          "value": "The report shows income; the score shows taxes",
          "short": "Report = income; score = taxes"
        },
        {
          "modality": "text",
          "value": "The report is private insurance; the score is a premium",
          "short": "Report = insurance; score = premium"
        }
      ],
      "correctIndex": 0,
      "explanation": "A score is derived from credit-report information using a scoring model.",
      "tags": [
        "lesson-5",
        "reports",
        "money-101"
      ],
      "uid": "1mtnica1qz14zg"
    },
    {
      "id": "m101-mcq-reports-2",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Which factor generally has the largest published share in a typical FICO breakdown?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Payment history"
        },
        {
          "modality": "text",
          "value": "Residential address"
        },
        {
          "modality": "text",
          "value": "Annual salary"
        },
        {
          "modality": "text",
          "value": "Education level"
        }
      ],
      "correctIndex": 0,
      "explanation": "FICO publishes payment history at 35% for the general population, while noting profiles vary.",
      "tags": [
        "lesson-5",
        "reports",
        "money-101"
      ],
      "uid": "1lea7uh33qyoj"
    },
    {
      "id": "m101-mcq-reports-3",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Which action is a soft inquiry?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Applying for a new auto loan",
          "short": "Applying for a new auto loan"
        },
        {
          "modality": "text",
          "value": "Requesting a new credit card",
          "short": "Requesting a new credit card"
        },
        {
          "modality": "text",
          "value": "Checking your own credit report",
          "short": "Checking your credit report"
        },
        {
          "modality": "text",
          "value": "Authorizing a mortgage application",
          "short": "Authorizing a mortgage app"
        }
      ],
      "correctIndex": 2,
      "explanation": "Consumer-initiated report checks do not affect FICO Scores.",
      "tags": [
        "lesson-5",
        "reports",
        "money-101"
      ],
      "uid": "1pu7s677wjuw7"
    },
    {
      "id": "m101-mcq-reports-4",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Which item should be disputed if it is inaccurate?"
      },
      "options": [
        {
          "modality": "text",
          "value": "A valid account you recognize",
          "short": "A valid account you recognize"
        },
        {
          "modality": "text",
          "value": "A late payment reported for a month paid on time",
          "short": "Late mark for an on-time month"
        },
        {
          "modality": "text",
          "value": "A correct current balance",
          "short": "A correct current balance"
        },
        {
          "modality": "text",
          "value": "A legitimate inquiry you authorized",
          "short": "A legit inquiry you authorized"
        }
      ],
      "correctIndex": 1,
      "explanation": "Incorrect payment history can affect decisions and should be documented and disputed.",
      "tags": [
        "lesson-5",
        "reports",
        "money-101"
      ],
      "uid": "1pysogd156gqb"
    },
    {
      "id": "m101-mcq-reports-5",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Why can two legitimate credit scores differ?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Income is secretly the only scoring factor",
          "short": "Income is the only factor"
        },
        {
          "modality": "text",
          "value": "Checking a score always lowers it",
          "short": "Checking always lowers it"
        },
        {
          "modality": "text",
          "value": "They may use different bureau data, dates, or model versions",
          "short": "Different bureau/date/model"
        },
        {
          "modality": "text",
          "value": "Every lender must invent a random number",
          "short": "Lenders invent a random number"
        }
      ],
      "correctIndex": 2,
      "explanation": "Scores are model outputs tied to particular data and timing.",
      "tags": [
        "lesson-5",
        "reports",
        "money-101"
      ],
      "uid": "mhjses1q6s0rc"
    },
    {
      "id": "m101-proc-review-credit",
      "shape": "procedure",
      "goal": "Review and correct a credit report",
      "steps": [
        "Request reports through AnnualCreditReport.com",
        "Confirm names, addresses, and identifying information",
        "Check every account, balance, and payment history",
        "Flag unfamiliar inquiries or collections",
        "Dispute errors with supporting documents",
        "Recheck the report after the investigation"
      ],
      "notes": "Keep copies of reports, disputes, and responses.",
      "tags": [
        "lesson-5",
        "reports",
        "money-101",
        "practice"
      ],
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Documentary photograph of a consumer checking three credit reports, marking one inaccurate entry, and organizing supporting records, no readable text, no logos.",
        "imageSearchTerm": "woman reviewing credit report laptop",
        "alt": "A consumer reviewing and disputing a credit-report error",
        "credit": "Unsplash · Luke Southern · Unsplash License",
        "creditUrl": "https://unsplash.com/photos/woman-in-blue-long-sleeve-shirt-using-macbook-pro-9yCYGgPe5Kg",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-proc-review-credit.webp"
      },
      "uid": "oy0v3b4jhe03"
    },
    {
      "id": "m101-fact-minimum-not-plan",
      "shape": "fact",
      "title": "The Minimum Is Not a Payoff Plan",
      "body": "The minimum payment keeps an account contractually current, but paying only it can extend debt and increase total interest.",
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Editorial photograph of a consumer comparing a statement balance and payment choices on a paper statement, no readable text, no logos.",
        "imageSearchTerm": "woman paying credit card bill at home",
        "alt": "A person reviewing a credit-card statement",
        "credit": "Pexels · Pavel Danilyuk · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/woman-in-white-sweater-entering-card-details-into-laptop-7191157/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-minimum-not-plan.webp"
      },
      "tags": [
        "lesson-5",
        "cards",
        "money-101"
      ],
      "uid": "9rehwu15uqex4"
    },
    {
      "id": "m101-fact-rewards-math",
      "shape": "fact",
      "title": "Rewards Do Not Cancel Interest",
      "body": "Cash back or points can be worth less than the interest and fees created by carrying a balance.",
      "tags": [
        "lesson-5",
        "cards",
        "money-101"
      ],
      "illustration": {
        "kind": "photo",
        "imagePrompt": "A credit card resting on top of a billing statement beside a small pile of coins, suggesting rewards that don't offset an unpaid balance.",
        "imageSearchTerm": "credit card statement balance",
        "alt": "A consumer comparing card rewards with interest charges",
        "depictable": true,
        "credit": "Pexels · RDNE Stock project · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/white-printer-paper-on-brown-wooden-table-7821470/",
        "subject": "A credit-card terms sheet on a wooden table: an 'Interest Rates and Interest Charges' table with columns for Signature/Platinum Bonus Rewards cards, 0.00% intro then 12.24%-23.24% purchase APR, 24.24% cash-advance APR, 'How to Avoid Paying Interest on Purchases' and 'Minimum Interest Charge' rows, p",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-rewards-math.webp"
      },
      "uid": "86z8gh12393k5"
    },
    {
      "id": "m101-pair-statement-balance",
      "shape": "pair",
      "sideA": {
        "modality": "text",
        "value": "Statement balance"
      },
      "sideB": {
        "modality": "text",
        "value": "The amount owed when a billing cycle closes"
      },
      "tags": [
        "lesson-5",
        "cards",
        "money-101"
      ],
      "uid": "azd944ap6ww"
    },
    {
      "id": "m101-def-credit-utilization",
      "shape": "definition",
      "term": {
        "modality": "text",
        "value": "Credit utilization"
      },
      "definition": {
        "modality": "text",
        "value": "Credit utilization is the share of available revolving credit represented by reported balances."
      },
      "curatedDistractors": [
        "Liability",
        "Irregular expense",
        "Pay yourself first"
      ],
      "tags": [
        "lesson-5",
        "cards",
        "money-101"
      ],
      "uid": "1s5qcqv1m2nbk3"
    },
    {
      "id": "m101-mcq-cards-1",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "What does the minimum payment represent?"
      },
      "options": [
        {
          "modality": "text",
          "value": "The consumer's affordable monthly budget",
          "short": "Your affordable monthly budget"
        },
        {
          "modality": "text",
          "value": "The full balance from the billing cycle",
          "short": "The full billing-cycle balance"
        },
        {
          "modality": "text",
          "value": "The smallest required payment to keep the account current",
          "short": "Smallest amount to stay current"
        },
        {
          "modality": "text",
          "value": "The amount that always avoids purchase interest",
          "short": "Amount that avoids all interest"
        }
      ],
      "correctIndex": 2,
      "explanation": "Minimum payment is a contract requirement, not necessarily a good payoff amount.",
      "tags": [
        "lesson-5",
        "cards",
        "money-101"
      ],
      "uid": "18q7ck61gjjtaa"
    },
    {
      "id": "m101-mcq-cards-2",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "When a grace period applies, what generally avoids interest on new purchases?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Paying any amount before the statement closes",
          "short": "Pay any amount before closing"
        },
        {
          "modality": "text",
          "value": "Using the entire credit limit",
          "short": "Use the entire credit limit"
        },
        {
          "modality": "text",
          "value": "Paying the statement balance in full by the due date",
          "short": "Full balance paid by due date"
        },
        {
          "modality": "text",
          "value": "Redeeming rewards once per year",
          "short": "Redeem rewards once a year"
        }
      ],
      "correctIndex": 2,
      "explanation": "Grace-period terms generally depend on paying the statement balance in full and on time.",
      "tags": [
        "lesson-5",
        "cards",
        "money-101"
      ],
      "uid": "2e9kiettdw6o"
    },
    {
      "id": "m101-mcq-cards-3",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "What is a prudent way to use autopay?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Autopay only the amount above the limit",
          "short": "Autopay only above the limit"
        },
        {
          "modality": "text",
          "value": "Schedule it without checking the due date",
          "short": "Set it, ignore the due date"
        },
        {
          "modality": "text",
          "value": "Pair it with alerts and enough checking-account cash",
          "short": "Pair alerts with enough cash"
        },
        {
          "modality": "text",
          "value": "Ignore statements after enabling it",
          "short": "Ignore statements once it's on"
        }
      ],
      "correctIndex": 2,
      "explanation": "Autopay reduces accidental lateness but still requires monitoring and funding.",
      "tags": [
        "lesson-5",
        "cards",
        "money-101"
      ],
      "uid": "1afyed56r6mcp"
    },
    {
      "id": "m101-mcq-cards-4",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Why is a credit limit not a spending target?"
      },
      "options": [
        {
          "modality": "text",
          "value": "It determines the card's annual fee",
          "short": "It sets the card's annual fee"
        },
        {
          "modality": "text",
          "value": "It reflects lender-approved capacity, not the household's repayment plan",
          "short": "Lender capacity not your budget"
        },
        {
          "modality": "text",
          "value": "It is always equal to monthly income",
          "short": "Always equals monthly income"
        },
        {
          "modality": "text",
          "value": "It is a federally insured savings balance",
          "short": "A federally insured savings balance"
        }
      ],
      "correctIndex": 1,
      "explanation": "Affordability depends on cash flow and goals, not the maximum approved balance.",
      "tags": [
        "lesson-5",
        "cards",
        "money-101"
      ],
      "uid": "pttz4j1dmvigf"
    },
    {
      "id": "m101-mcq-cards-5",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Which behavior can support healthy revolving credit use?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Open accounts solely to create a credit mix",
          "short": "Open accounts just for credit mix"
        },
        {
          "modality": "text",
          "value": "Carry interest-bearing debt for score points",
          "short": "Carry debt for score points"
        },
        {
          "modality": "text",
          "value": "Ignore unfamiliar statement charges",
          "short": "Ignore unfamiliar charges"
        },
        {
          "modality": "text",
          "value": "Pay on time and keep reported balances manageable",
          "short": "Pay on time; keep balances low"
        }
      ],
      "correctIndex": 3,
      "explanation": "Timely payment and controlled balances address major scoring and cost risks.",
      "tags": [
        "lesson-5",
        "cards",
        "money-101"
      ],
      "uid": "10t15ccs71798"
    },
    {
      "id": "m101-proc-credit-card-routine",
      "shape": "procedure",
      "goal": "Run a safe monthly credit-card routine",
      "steps": [
        "Review transactions and recurring charges weekly",
        "Keep spending within the cash-flow plan",
        "Check the statement balance and due date",
        "Maintain enough checking cash for the payment",
        "Pay on time under a deliberate repayment rule",
        "Investigate unfamiliar charges immediately"
      ],
      "notes": "Read the card agreement for grace periods, transfers, and cash-advance terms.",
      "tags": [
        "lesson-5",
        "cards",
        "money-101",
        "practice"
      ],
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Editorial photograph of a consumer reviewing card transactions, checking a due date, and confirming cash for payment, no readable text, no logos.",
        "imageSearchTerm": "monthly credit card statement review routine",
        "alt": "A consumer following a monthly credit-card routine",
        "credit": "Pexels · RDNE Stock project · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/person-holding-white-printer-paper-on-wooden-surface-7821905/",
        "subject": "A single hand pointing its way down a 'Platinum Credit Card' Rates and Fees Table (APR for purchases, APR for cash advances, penalty APR, cardmember agreement part 1 of 2) on a wooden desk, with part 2 of the agreement lying alongside; no bank name, logo or watermark",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-proc-credit-card-routine.webp"
      },
      "uid": "1gzyko5h757xz"
    },
    {
      "id": "m101-fact-payment-vs-cost",
      "shape": "fact",
      "title": "A Lower Payment Can Cost More",
      "body": "Extending a loan term can reduce the monthly payment while increasing total interest paid over the life of the loan.",
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Editorial photograph of a consumer comparing several loan offer sheets with calculator, focusing on total cost rather than one highlighted payment, no readable text, no logos.",
        "imageSearchTerm": "couple signing loan agreement calculator",
        "alt": "A consumer comparing loan offers",
        "credit": "Pexels · RDNE Stock project · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/a-person-wearing-wristwatch-filling-up-the-paper-8293764/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-payment-vs-cost.webp"
      },
      "tags": [
        "lesson-6",
        "loans",
        "money-101"
      ],
      "uid": "1uz882o1c6yzhy"
    },
    {
      "id": "m101-fact-collateral-risk",
      "shape": "fact",
      "title": "Collateral Changes the Risk",
      "body": "A secured lender may claim the pledged asset after default under the agreement and applicable law.",
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Documentary photograph of a car key beside loan documents and a calculator, emphasizing collateral risk, no readable text, no logos.",
        "imageSearchTerm": "car key secured loan documents",
        "alt": "A car key beside secured-loan documents",
        "credit": "Pexels · RDNE Stock project · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/gray-and-black-calculator-on-the-table-8293750/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-collateral-risk.webp"
      },
      "tags": [
        "lesson-6",
        "loans",
        "money-101"
      ],
      "uid": "16eu7eh6v7att"
    },
    {
      "id": "m101-pair-principal",
      "shape": "pair",
      "sideA": {
        "modality": "text",
        "value": "Principal"
      },
      "sideB": {
        "modality": "text",
        "value": "The amount originally borrowed on a loan, not counting interest"
      },
      "tags": [
        "lesson-6",
        "loans",
        "money-101"
      ],
      "uid": "eb8dsnf5is0t"
    },
    {
      "id": "m101-def-apr",
      "shape": "definition",
      "term": {
        "modality": "text",
        "value": "APR"
      },
      "definition": {
        "modality": "text",
        "value": "APR is an annualized measure of borrowing cost used to compare credit products under their applicable disclosure rules."
      },
      "curatedDistractors": [
        "Pay yourself first",
        "Reconciliation",
        "Ownership category"
      ],
      "tags": [
        "lesson-6",
        "loans",
        "money-101"
      ],
      "uid": "ww5almt9uily"
    },
    {
      "id": "m101-mcq-loans-1",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "What should be compared in addition to a loan's monthly payment?"
      },
      "options": [
        {
          "modality": "text",
          "value": "APR, term, fees, amount financed, and total cost",
          "short": "APR/term/fees/total cost"
        },
        {
          "modality": "text",
          "value": "Only the monthly payment amount",
          "short": "Only the monthly payment amount"
        },
        {
          "modality": "text",
          "value": "Only the loan's interest rate",
          "short": "Only the loan's interest rate"
        },
        {
          "modality": "text",
          "value": "Only the down payment required",
          "short": "Only the down payment required"
        }
      ],
      "correctIndex": 0,
      "explanation": "Several terms determine affordability and lifetime cost.",
      "tags": [
        "lesson-6",
        "loans",
        "money-101"
      ],
      "uid": "1i46irtgc82oh"
    },
    {
      "id": "m101-mcq-loans-2",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "What usually happens when the same debt is stretched over a longer term?"
      },
      "options": [
        {
          "modality": "text",
          "value": "The APR becomes deposit yield",
          "short": "APR becomes deposit yield"
        },
        {
          "modality": "text",
          "value": "The collateral becomes federally insured",
          "short": "Collateral becomes federally insured"
        },
        {
          "modality": "text",
          "value": "The payment may fall while total interest rises",
          "short": "Lower payment; more total interest"
        },
        {
          "modality": "text",
          "value": "The principal disappears",
          "short": "Principal simply disappears"
        }
      ],
      "correctIndex": 2,
      "explanation": "More repayment periods can lower each payment but add time for interest to accrue.",
      "tags": [
        "lesson-6",
        "loans",
        "money-101"
      ],
      "uid": "1uq996v1ye2mf"
    },
    {
      "id": "m101-mcq-loans-3",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "What makes a loan secured?"
      },
      "options": [
        {
          "modality": "text",
          "value": "The payment is automatically deducted",
          "short": "Payment is auto-deducted"
        },
        {
          "modality": "text",
          "value": "Specific collateral backs the obligation",
          "short": "The loan has collateral"
        },
        {
          "modality": "text",
          "value": "The lender promises no fees",
          "short": "Lender promises no fees"
        },
        {
          "modality": "text",
          "value": "The borrower has a high income",
          "short": "Borrower has high income"
        }
      ],
      "correctIndex": 1,
      "explanation": "Collateral gives the lender a claim to a specified asset after default under the rules.",
      "tags": [
        "lesson-6",
        "loans",
        "money-101"
      ],
      "uid": "zvmwrv1m4hesv"
    },
    {
      "id": "m101-mcq-loans-4",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Which question best reveals a loan's full economic burden?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Will the lender skip written disclosures?",
          "short": "Will the lender skip disclosures?"
        },
        {
          "modality": "text",
          "value": "How much will I pay in total if I follow the contract?",
          "short": "What will the loan cost in total?"
        },
        {
          "modality": "text",
          "value": "Can the seller lower only today's payment?",
          "short": "Can you lower only today's payment?"
        },
        {
          "modality": "text",
          "value": "Does approval happen the same day?",
          "short": "Same-day approval?"
        }
      ],
      "correctIndex": 1,
      "explanation": "Total-of-payments and fee information expose costs hidden by payment-focused selling. Skipping disclosures, lowering only today's payment, and touting same-day approval are all sales tactics that redirect attention from the loan's true total cost.",
      "tags": [
        "lesson-6",
        "loans",
        "money-101"
      ],
      "uid": "1yyhr3ty9cz23"
    },
    {
      "id": "m101-mcq-loans-5",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Why can a variable-rate loan be harder to plan around?"
      },
      "options": [
        {
          "modality": "text",
          "value": "The borrower owns no legal rights",
          "short": "Borrower owns no legal rights"
        },
        {
          "modality": "text",
          "value": "The rate and required payment may change",
          "short": "Rate and payment may change"
        },
        {
          "modality": "text",
          "value": "The principal is never disclosed",
          "short": "Principal is never disclosed"
        },
        {
          "modality": "text",
          "value": "The loan cannot have a term",
          "short": "The loan can't have a term"
        }
      ],
      "correctIndex": 1,
      "explanation": "Rate changes create future payment and total-cost uncertainty.",
      "tags": [
        "lesson-6",
        "loans",
        "money-101"
      ],
      "uid": "7wxkvr16tlinn"
    },
    {
      "id": "m101-proc-compare-loans",
      "shape": "procedure",
      "goal": "Compare two loan offers",
      "steps": [
        "Use the same amount borrowed for both offers",
        "Record APR, rate type, fees, and term",
        "Compare monthly payments",
        "Compare total of payments",
        "Identify collateral and penalty risks",
        "Stress-test the payment against lower income or higher expenses"
      ],
      "notes": "Do not sign until unclear fees, optional products, and rate changes are explained in writing.",
      "tags": [
        "lesson-6",
        "loans",
        "money-101",
        "practice"
      ],
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Editorial overhead photograph of two loan offers compared across rate, term, payment, fees, and total cost using a calculator, no readable text, no logos.",
        "imageSearchTerm": "couple comparing loan offers documents",
        "alt": "A borrower comparing two complete loan offers",
        "credit": "Unsplash · Vitaly Gariev · Unsplash License",
        "creditUrl": "https://unsplash.com/photos/elderly-couple-reviewing-documents-at-home-DQdilc0v6u8",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-proc-compare-loans.webp"
      },
      "uid": "1e8da8y430u5q"
    },
    {
      "id": "m101-fact-avalanche-math",
      "shape": "fact",
      "title": "Avalanche Favors Interest Savings",
      "body": "After minimums, the debt avalanche directs extra money to the highest APR and generally minimizes interest if the plan is followed.",
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Editorial overhead photograph of a person arranging debt cards by interest rate and allocating one extra payment, no readable text, no logos.",
        "imageSearchTerm": "debt balances interest rate payoff planning",
        "alt": "A person planning debt payments by interest rate",
        "credit": "Pexels · RDNE Stock project · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/a-close-up-shot-of-an-agent-pointing-rates-with-a-ballpen-8292883/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-avalanche-math.webp"
      },
      "tags": [
        "lesson-6",
        "payoff",
        "money-101"
      ],
      "uid": "1dosx8awos1ey"
    },
    {
      "id": "m101-fact-snowball-momentum",
      "shape": "fact",
      "title": "Snowball Favors Early Wins",
      "body": "After minimums, the debt snowball targets the smallest balance first, which can create visible progress and motivation.",
      "tags": [
        "lesson-6",
        "payoff",
        "money-101"
      ],
      "illustration": {
        "kind": "photo",
        "imagePrompt": "A person at a table arranging a row of cash envelopes of different sizes, moving the smallest one aside to pay off first.",
        "imageSearchTerm": "smallest debt envelope payoff",
        "alt": "A person eliminating small debt balances one at a time",
        "depictable": true,
        "credit": "Unsplash · Towfiqu barbhuiya · Unsplash License",
        "creditUrl": "https://unsplash.com/photos/a-note-that-says-pay-debt-next-to-a-pen-and-glasses-M8z2SwSwpbg",
        "subject": "A handwritten note reading 'Pay debt,' underlined in red, next to a red pen and eyeglasses on red plaid fabric.",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-snowball-momentum.webp"
      },
      "uid": "1j17eyj1fphh6n"
    },
    {
      "id": "m101-pair-debt-avalanche",
      "shape": "pair",
      "sideA": {
        "modality": "text",
        "value": "Debt avalanche"
      },
      "sideB": {
        "modality": "text",
        "value": "Extra payments target the highest APR first after all minimums"
      },
      "tags": [
        "lesson-6",
        "payoff",
        "money-101"
      ],
      "uid": "gpwq6mkmghnq"
    },
    {
      "id": "m101-def-debt-consolidation",
      "shape": "definition",
      "term": {
        "modality": "text",
        "value": "Debt consolidation"
      },
      "definition": {
        "modality": "text",
        "value": "Debt consolidation is replacing multiple debts with one new debt, usually to simplify repayment or change terms."
      },
      "curatedDistractors": [
        "Reconciliation",
        "Ownership category",
        "Liquidity"
      ],
      "tags": [
        "lesson-6",
        "payoff",
        "money-101"
      ],
      "uid": "1ozlgia12d712i"
    },
    {
      "id": "m101-mcq-payoff-1",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Which strategy generally minimizes interest when followed consistently?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Divide extra money evenly forever",
          "short": "Split extra evenly forever"
        },
        {
          "modality": "text",
          "value": "Skip minimums on low-rate accounts",
          "short": "Skip minimums on low-rate debt"
        },
        {
          "modality": "text",
          "value": "Target the highest APR after paying all minimums",
          "short": "Pay minimums then highest APR"
        },
        {
          "modality": "text",
          "value": "Target the newest lender regardless of cost",
          "short": "Target the newest lender first"
        }
      ],
      "correctIndex": 2,
      "explanation": "The avalanche focuses extra payments on the most expensive balance while maintaining every minimum.",
      "tags": [
        "lesson-6",
        "payoff",
        "money-101"
      ],
      "uid": "zoi9xs1cifack"
    },
    {
      "id": "m101-mcq-payoff-2",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "What is the main behavioral advantage of the snowball method?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Small balances can disappear sooner and create momentum",
          "short": "Small wins create momentum"
        },
        {
          "modality": "text",
          "value": "Every lender waives late fees",
          "short": "Every lender waives late fees"
        },
        {
          "modality": "text",
          "value": "Interest is guaranteed to be lowest",
          "short": "Interest is guaranteed lowest"
        },
        {
          "modality": "text",
          "value": "Collateral risk is automatically removed",
          "short": "Collateral risk is removed"
        }
      ],
      "correctIndex": 0,
      "explanation": "Early account payoffs can reinforce the routine even when the method is not mathematically cheapest.",
      "tags": [
        "lesson-6",
        "payoff",
        "money-101"
      ],
      "uid": "273orcvx8rn6"
    },
    {
      "id": "m101-mcq-payoff-3",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "What is a key risk of consolidation?"
      },
      "options": [
        {
          "modality": "text",
          "value": "The new loan cannot have an APR",
          "short": "The new loan can't have an APR"
        },
        {
          "modality": "text",
          "value": "A longer term or new fees can raise total cost",
          "short": "Term/fees can raise total cost"
        },
        {
          "modality": "text",
          "value": "All old payment history is erased",
          "short": "Old payment history is erased"
        },
        {
          "modality": "text",
          "value": "Federal insurance covers the new balance",
          "short": "Federal insurance covers it"
        }
      ],
      "correctIndex": 1,
      "explanation": "A lower payment can hide a longer repayment period or additional costs.",
      "tags": [
        "lesson-6",
        "payoff",
        "money-101"
      ],
      "uid": "1qwef1l1i7uoot"
    },
    {
      "id": "m101-mcq-payoff-4",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "What should happen before sending extra money to one debt?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Keep required minimums and essential obligations current",
          "short": "Minimums & essentials paid"
        },
        {
          "modality": "text",
          "value": "Stop paying every other creditor",
          "short": "Stop paying other creditors"
        },
        {
          "modality": "text",
          "value": "Cancel needed insurance",
          "short": "Cancel your needed insurance"
        },
        {
          "modality": "text",
          "value": "Use rent money for the target balance",
          "short": "Use rent money for the debt"
        }
      ],
      "correctIndex": 0,
      "explanation": "Avoiding default and protecting essentials comes before acceleration.",
      "tags": [
        "lesson-6",
        "payoff",
        "money-101"
      ],
      "uid": "1p39ceqpapn48"
    },
    {
      "id": "m101-mcq-payoff-5",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "When payments may become impossible, what is a useful early action?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Assume hardship plans appear automatically",
          "short": "Assume hardship plans auto-appear"
        },
        {
          "modality": "text",
          "value": "Contact creditors before missing payments and document options",
          "short": "Reach creditors early; log options"
        },
        {
          "modality": "text",
          "value": "Ignore all statements until collection",
          "short": "Ignore statements until collection"
        },
        {
          "modality": "text",
          "value": "Pay an unknown company a large upfront fee",
          "short": "Pay a stranger a big upfront fee"
        }
      ],
      "correctIndex": 1,
      "explanation": "Early communication can reveal legitimate options and preserve documentation.",
      "tags": [
        "lesson-6",
        "payoff",
        "money-101"
      ],
      "uid": "ubo22rjxc0dx"
    },
    {
      "id": "m101-proc-debt-plan",
      "shape": "procedure",
      "goal": "Build a debt payoff plan",
      "steps": [
        "List every balance, APR, minimum, status, and collateral",
        "Keep minimums and essential obligations current",
        "Choose avalanche, snowball, or a justified hybrid",
        "Set one repeatable extra-payment amount",
        "Redirect each finished payment to the next target",
        "Review refinancing offers by total cost and protections"
      ],
      "notes": "Seek reputable help early if the plan no longer covers essential bills.",
      "tags": [
        "lesson-6",
        "payoff",
        "money-101",
        "practice"
      ],
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Editorial photograph of a person listing debt balances, rates, minimums, and one extra payment in a clear payoff sequence, no readable text, no logos.",
        "imageSearchTerm": "person creating debt payoff plan notebook",
        "alt": "A person building a debt payoff plan",
        "credit": "Unsplash · Paico Oficial · Unsplash License",
        "creditUrl": "https://unsplash.com/photos/person-writing-on-white-paper-DC_gMe5H95k",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-proc-debt-plan.webp"
      },
      "uid": "1gteu7b1jesri1"
    },
    {
      "id": "m101-fact-gross-to-net",
      "shape": "fact",
      "title": "Gross Pay Is Not Spendable Pay",
      "body": "Net pay equals gross pay minus taxes, benefit costs, retirement contributions, and other deductions shown on the pay statement.",
      "illustration": {
        "kind": "photo",
        "imagePrompt": "A paycheck and pay stub lying on a desk beside a calculator, representing the difference between gross and take-home pay.",
        "imageSearchTerm": "paycheck pay stub deductions",
        "alt": "An employee reviewing paycheck deductions",
        "depictable": true,
        "credit": "Pexels · RDNE Stock project · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/close-up-photo-of-a-document-7821574/",
        "subject": "Shallow-focus close-up of an IRS Form W-4 (Rev. December 2020) 'Employee's Withholding Certificate' lying on a rustic wooden table; only 'W-4' and 'Step 1: Enter Personal Information' are crisp, no person in frame",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-gross-to-net.webp"
      },
      "tags": [
        "lesson-7",
        "pay",
        "money-101"
      ],
      "uid": "gfi3081mzntba"
    },
    {
      "id": "m101-fact-withholding-prepayment",
      "shape": "fact",
      "title": "Withholding Is a Prepayment",
      "body": "Income-tax withholding is money sent toward a later tax calculation; it is not the final tax liability by itself.",
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Documentary photograph of a pay statement, calculator, and tax folder representing withholding, no readable text, no logos.",
        "imageSearchTerm": "payroll tax withholding paystub calculator",
        "alt": "A pay statement beside a tax calculator",
        "credit": "Unsplash · Kelly Sikkema · Unsplash License",
        "creditUrl": "https://unsplash.com/photos/black-android-smartphone-near-ballpoint-pen-tax-withholding-certificate-on-top-of-white-folder-M98NRBuzbpc",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-withholding-prepayment.webp"
      },
      "tags": [
        "lesson-7",
        "pay",
        "money-101"
      ],
      "uid": "vug1d911g88r3"
    },
    {
      "id": "m101-pair-w2",
      "shape": "pair",
      "sideA": {
        "modality": "text",
        "value": "Form W-2"
      },
      "sideB": {
        "modality": "text",
        "value": "An employee wage statement showing compensation and withholding reported by an employer"
      },
      "tags": [
        "lesson-7",
        "pay",
        "money-101"
      ],
      "uid": "14ydsch3bd5c1"
    },
    {
      "id": "m101-def-net-pay",
      "shape": "definition",
      "term": {
        "modality": "text",
        "value": "Net pay"
      },
      "definition": {
        "modality": "text",
        "value": "Net pay is the amount delivered to a worker after payroll taxes and other deductions are subtracted from gross pay."
      },
      "curatedDistractors": [
        "Liquidity",
        "Compound interest",
        "Hard inquiry"
      ],
      "tags": [
        "lesson-7",
        "pay",
        "money-101"
      ],
      "uid": "n0dot91nju2p7"
    },
    {
      "id": "m101-mcq-pay-1",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Which amount normally reaches the worker's bank account?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Net pay",
          "short": "Net pay (take-home amount)"
        },
        {
          "modality": "text",
          "value": "Gross pay before deductions",
          "short": "Gross pay before deductions"
        },
        {
          "modality": "text",
          "value": "The employer's total labor cost",
          "short": "Employer's total labor cost"
        },
        {
          "modality": "text",
          "value": "The worker's annual credit limit",
          "short": "Worker's annual credit limit"
        }
      ],
      "correctIndex": 0,
      "explanation": "Net pay is what remains after taxes and other payroll deductions.",
      "tags": [
        "lesson-7",
        "pay",
        "money-101"
      ],
      "uid": "17w3d5agkvcpu"
    },
    {
      "id": "m101-mcq-pay-2",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "What does federal income-tax withholding represent?"
      },
      "options": [
        {
          "modality": "text",
          "value": "A bank maintenance fee",
          "short": "A bank maintenance fee"
        },
        {
          "modality": "text",
          "value": "A final audit result",
          "short": "A final audit result"
        },
        {
          "modality": "text",
          "value": "An employer retirement match",
          "short": "An employer retirement match"
        },
        {
          "modality": "text",
          "value": "A prepayment toward the final tax calculation",
          "short": "Prepayment on your tax bill"
        }
      ],
      "correctIndex": 3,
      "explanation": "Filing reconciles prepayments with the tax calculation and credits.",
      "tags": [
        "lesson-7",
        "pay",
        "money-101"
      ],
      "uid": "1siv2vd1yiidel"
    },
    {
      "id": "m101-mcq-pay-3",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Which form commonly reports employee wages and withholding?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Form W-9"
        },
        {
          "modality": "text",
          "value": "Form 1099-NEC"
        },
        {
          "modality": "text",
          "value": "Form 1098-E"
        },
        {
          "modality": "text",
          "value": "Form W-2"
        }
      ],
      "correctIndex": 3,
      "explanation": "Employers generally furnish W-2 wage statements to employees.",
      "tags": [
        "lesson-7",
        "pay",
        "money-101"
      ],
      "uid": "mf1n2a1pxusbe"
    },
    {
      "id": "m101-mcq-pay-4",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Which statement about independent-contractor income is accurate?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Tax may be owed even if no information form arrives",
          "short": "Tax owed even without a form"
        },
        {
          "modality": "text",
          "value": "Only cash payments must be reported",
          "short": "Only cash payments are reported"
        },
        {
          "modality": "text",
          "value": "Contractor income is always tax-free",
          "short": "Contractor income is tax-free"
        },
        {
          "modality": "text",
          "value": "The client automatically covers all payroll taxes",
          "short": "Client pays all payroll taxes"
        }
      ],
      "correctIndex": 0,
      "explanation": "Taxability depends on income and law, not merely on receipt of a form.",
      "tags": [
        "lesson-7",
        "pay",
        "money-101"
      ],
      "uid": "mdaoytwnrtwj"
    },
    {
      "id": "m101-mcq-pay-5",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Why inspect each pay statement?"
      },
      "options": [
        {
          "modality": "text",
          "value": "To calculate a credit score",
          "short": "Calculate a credit score"
        },
        {
          "modality": "text",
          "value": "To catch errors in hours, rate, taxes, and deductions",
          "short": "Catch hours/rate/tax errors"
        },
        {
          "modality": "text",
          "value": "To verify deposit insurance",
          "short": "Verify deposit insurance"
        },
        {
          "modality": "text",
          "value": "To choose a life-insurance beneficiary",
          "short": "Choose a policy beneficiary"
        }
      ],
      "correctIndex": 1,
      "explanation": "Prompt review makes payroll discrepancies easier to identify and correct.",
      "tags": [
        "lesson-7",
        "pay",
        "money-101"
      ],
      "uid": "k9z3gpc43a0t"
    },
    {
      "id": "m101-proc-read-paystub",
      "shape": "procedure",
      "goal": "Review a pay statement",
      "steps": [
        "Confirm the pay period and employer",
        "Check hours, rate, salary, bonuses, or commissions",
        "Trace gross pay",
        "Review taxes and benefit deductions",
        "Confirm net pay matches the deposit",
        "Compare unusual changes with prior statements and ask payroll promptly"
      ],
      "notes": "Retain statements long enough to reconcile year-end tax forms and benefits.",
      "tags": [
        "lesson-7",
        "pay",
        "money-101",
        "practice"
      ],
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Documentary photograph of an employee checking hours, gross earnings, deductions, and deposited pay with a calculator, no readable text, no logos.",
        "imageSearchTerm": "worker reviewing paystub paycheck",
        "alt": "An employee checking a pay statement from gross to net",
        "credit": "Pexels · Tima Miroshnichenko · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/man-in-black-suit-jacket-analyzing-data-reports-7567485/",
        "subject": "Bearded man in a dark blazer seated at a wooden office desk, reading a single white sheet of paper; open laptop, tablet, a printed chart page and a banded stack of US dollar bills on the desk; a woman on a sofa with a phone blurred in the background",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-proc-read-paystub.webp"
      },
      "uid": "klf8sh1a2so79"
    },
    {
      "id": "m101-fact-brackets-layers",
      "shape": "fact",
      "title": "Tax Brackets Are Layers",
      "body": "Moving into a higher federal bracket does not apply that rate to every dollar of income; the higher rate applies only to taxable income in that layer.",
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Editorial still-life photograph of ascending layered blocks with coins divided among levels, representing progressive tax brackets, no readable text, no logos.",
        "imageSearchTerm": "stacked coins calculator tax planning",
        "alt": "Layered blocks representing progressive tax brackets",
        "credit": "Pexels · Tara Winstead · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/calculator-red-pen-and-coins-on-notepad-7111496/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-brackets-layers.webp"
      },
      "tags": [
        "lesson-7",
        "tax",
        "money-101"
      ],
      "uid": "1g98azruqs6jv"
    },
    {
      "id": "m101-fact-current-standard-deduction",
      "shape": "fact",
      "title": "2026 Standard Deduction",
      "body": "For tax year 2026, the IRS lists $16,100 for single filers and married people filing separately, and $32,200 for married couples filing jointly. Recheck dated tax figures before use.",
      "tags": [
        "lesson-7",
        "tax",
        "money-101"
      ],
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Editorial photograph of a taxpayer checking current-year federal tax information beside a 2026 calendar and calculator, no readable text, no logos.",
        "imageSearchTerm": "taxpayer preparing tax return laptop calculator",
        "alt": "A taxpayer checking the current year's standard deduction",
        "credit": "Pexels · Nataliya Vaitkevich · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/person-writing-on-white-paper-8927687/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-current-standard-deduction.webp"
      },
      "uid": "1mxujmd1mxypct"
    },
    {
      "id": "m101-pair-marginal-rate",
      "shape": "pair",
      "sideA": {
        "modality": "text",
        "value": "Marginal tax rate"
      },
      "sideB": {
        "modality": "text",
        "value": "The rate applied to the next dollar of taxable income within the current bracket"
      },
      "tags": [
        "lesson-7",
        "tax",
        "money-101"
      ],
      "uid": "181t4l115pmwbd"
    },
    {
      "id": "m101-def-tax-credit",
      "shape": "definition",
      "term": {
        "modality": "text",
        "value": "Tax credit"
      },
      "definition": {
        "modality": "text",
        "value": "A tax credit is an amount that reduces calculated tax and may be refundable under the credit's rules."
      },
      "curatedDistractors": [
        "Compound interest",
        "Hard inquiry",
        "Credit utilization"
      ],
      "tags": [
        "lesson-7",
        "tax",
        "money-101"
      ],
      "uid": "1d4w3x91xw7m7p"
    },
    {
      "id": "m101-mcq-tax-1",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "What happens when taxable income enters a higher federal bracket?"
      },
      "options": [
        {
          "modality": "text",
          "value": "The standard deduction disappears automatically",
          "short": "Standard deduction disappears"
        },
        {
          "modality": "text",
          "value": "Every dollar is retroactively taxed at the new rate",
          "short": "Every dollar retaxed at new rate"
        },
        {
          "modality": "text",
          "value": "All withholding becomes a penalty",
          "short": "Withholding becomes a penalty"
        },
        {
          "modality": "text",
          "value": "Only the income in the new layer faces the higher marginal rate",
          "short": "Only the new layer taxed higher"
        }
      ],
      "correctIndex": 3,
      "explanation": "Progressive brackets apply rates in layers.",
      "tags": [
        "lesson-7",
        "tax",
        "money-101"
      ],
      "uid": "1dfbz1l1g0jqpf"
    },
    {
      "id": "m101-mcq-tax-2",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "What does an effective income-tax rate describe?"
      },
      "options": [
        {
          "modality": "text",
          "value": "The Social Security wage base",
          "short": "The Social Security wage base"
        },
        {
          "modality": "text",
          "value": "Total income tax divided by an income measure",
          "short": "Total tax divided by income"
        },
        {
          "modality": "text",
          "value": "The percentage of credit used",
          "short": "Percentage of credit used"
        },
        {
          "modality": "text",
          "value": "The rate on the next taxable dollar",
          "short": "Rate on the next taxable dollar"
        }
      ],
      "correctIndex": 1,
      "explanation": "Effective rate summarizes an overall tax burden; marginal rate concerns the next dollar.",
      "tags": [
        "lesson-7",
        "tax",
        "money-101"
      ],
      "uid": "1rxs5fzwulj43"
    },
    {
      "id": "m101-mcq-tax-3",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Which statement best distinguishes a deduction from a credit?"
      },
      "options": [
        {
          "modality": "text",
          "value": "A deduction raises tax; a credit raises income",
          "short": "Deduction raises tax; credit raises income"
        },
        {
          "modality": "text",
          "value": "A deduction is a loan; a credit is a deposit",
          "short": "A deduction functions like a loan; a credit like a deposit"
        },
        {
          "modality": "text",
          "value": "A deduction reduces taxable income; a credit reduces calculated tax",
          "short": "Deduction cuts taxable income; credit cuts tax"
        },
        {
          "modality": "text",
          "value": "A deduction changes a credit score; a credit changes APY",
          "short": "Deduction changes score; credit changes APY"
        }
      ],
      "correctIndex": 2,
      "explanation": "They enter the tax calculation at different stages.",
      "tags": [
        "lesson-7",
        "tax",
        "money-101"
      ],
      "uid": "1rmjk971vesbn3"
    },
    {
      "id": "m101-mcq-tax-4",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "When should a dated tax figure in a study guide be rechecked?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Only after an audit begins",
          "short": "Only after an audit begins"
        },
        {
          "modality": "text",
          "value": "Never, because tax figures cannot change",
          "short": "Never; tax figures cannot change"
        },
        {
          "modality": "text",
          "value": "Before using it for a current filing or decision",
          "short": "Before any filing or decision"
        },
        {
          "modality": "text",
          "value": "Only when a credit report changes",
          "short": "Only if a credit report changes"
        }
      ],
      "correctIndex": 2,
      "explanation": "Brackets, deductions, limits, and rules can change by tax year.",
      "tags": [
        "lesson-7",
        "tax",
        "money-101"
      ],
      "uid": "1eg9txbjvt6y3"
    },
    {
      "id": "m101-mcq-tax-5",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Which event is a good reason to revisit withholding?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Changing a savings-account nickname",
          "short": "Renaming a savings account"
        },
        {
          "modality": "text",
          "value": "Receiving a replacement debit card",
          "short": "Getting a replacement debit card"
        },
        {
          "modality": "text",
          "value": "Starting a second job with substantial income",
          "short": "Starting a second well-paid job"
        },
        {
          "modality": "text",
          "value": "Checking a soft credit inquiry",
          "short": "Checking a soft credit inquiry"
        }
      ],
      "correctIndex": 2,
      "explanation": "Additional income or major life changes can make prior withholding assumptions inaccurate.",
      "tags": [
        "lesson-7",
        "tax",
        "money-101"
      ],
      "uid": "6pu71c13teud2"
    },
    {
      "id": "m101-proc-tax-records",
      "shape": "procedure",
      "goal": "Maintain a basic tax system",
      "steps": [
        "Create a folder for the current tax year",
        "Save income forms and estimated-payment confirmations",
        "Keep records supporting deductions and credits",
        "Compare year-end forms with pay and account records",
        "Use the current IRS guidance or estimator",
        "File securely and retain the return and key support"
      ],
      "notes": "Seek qualified help when business income, investments, family status, or state rules make the return complex.",
      "tags": [
        "lesson-7",
        "tax",
        "money-101",
        "practice"
      ],
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Editorial photograph of a secure current-year tax folder with income forms, payment confirmations, receipts, and a checklist, no readable text, no logos.",
        "imageSearchTerm": "organized tax documents folder desk",
        "alt": "A taxpayer organizing current-year tax records",
        "credit": "Unsplash · Cht Gsml · Unsplash License",
        "creditUrl": "https://unsplash.com/photos/desk-with-calculator-papers-and-prayer-beads-MWa1Ui1ZPT4",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-proc-tax-records.webp"
      },
      "uid": "1icp6y71945sg1"
    },
    {
      "id": "m101-fact-risk-transfer",
      "shape": "fact",
      "title": "Insurance Transfers Specified Risk",
      "body": "Insurance exchanges premiums for contractual protection against covered losses; it does not prevent the event or cover every consequence.",
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Editorial photograph of adults reviewing insurance documents for home, health, and vehicle protection, reassuring but realistic, no readable text, no logos.",
        "imageSearchTerm": "family reviewing insurance protection documents",
        "alt": "A family reviewing insurance coverage",
        "credit": "Pexels · Mikhail Nilov · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/a-woman-explaining-the-document-7735626/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-risk-transfer.webp"
      },
      "tags": [
        "lesson-8",
        "coverage",
        "money-101"
      ],
      "uid": "1hh6l4so3ovmm"
    },
    {
      "id": "m101-fact-premium-not-total",
      "shape": "fact",
      "title": "Premium Is Not Total Cost",
      "body": "A policy's financial exposure can also include deductibles, copays, coinsurance, exclusions, uncovered services, and amounts above limits.",
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Overhead editorial photograph of a consumer weighing recurring premiums against a larger deductible reserve using blank cards and coins, no readable text, no logos.",
        "imageSearchTerm": "insurance premium deductible comparison",
        "alt": "A consumer comparing premium and deductible tradeoffs",
        "credit": "Pexels · www.kaboompics.com · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/different-pill-blisters-near-pile-of-american-dollar-banknotes-4386176/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-premium-not-total.webp"
      },
      "tags": [
        "lesson-8",
        "coverage",
        "money-101"
      ],
      "uid": "qosaap6vg965"
    },
    {
      "id": "m101-pair-premium",
      "shape": "pair",
      "sideA": {
        "modality": "text",
        "value": "Premium"
      },
      "sideB": {
        "modality": "text",
        "value": "The amount paid to keep insurance coverage in force"
      },
      "tags": [
        "lesson-8",
        "coverage",
        "money-101"
      ],
      "uid": "1gds4mes2m58m"
    },
    {
      "id": "m101-def-deductible",
      "shape": "definition",
      "term": {
        "modality": "text",
        "value": "Deductible"
      },
      "definition": {
        "modality": "text",
        "value": "An amount the insured pays for covered loss or care before or alongside insurer payment under the policy rules."
      },
      "curatedDistractors": [
        "Credit utilization",
        "APR",
        "Debt consolidation"
      ],
      "tags": [
        "lesson-8",
        "coverage",
        "money-101"
      ],
      "uid": "l6wlsyrktapk"
    },
    {
      "id": "m101-mcq-coverage-1",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "What does an insurance premium buy?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Payment for every excluded event",
          "short": "Payment for excluded events"
        },
        {
          "modality": "text",
          "value": "Ownership of the insurance company",
          "short": "Ownership of the insurer"
        },
        {
          "modality": "text",
          "value": "Contractual coverage under the policy's terms",
          "short": "Coverage under policy terms"
        },
        {
          "modality": "text",
          "value": "A guarantee that no loss will occur",
          "short": "A guarantee no loss will occur"
        }
      ],
      "correctIndex": 2,
      "explanation": "Premiums keep coverage in force; the policy defines covered risks and limits.",
      "tags": [
        "lesson-8",
        "coverage",
        "money-101"
      ],
      "uid": "1p5a8y61dgzcsy"
    },
    {
      "id": "m101-mcq-coverage-2",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Why can a very high deductible be risky for a household?"
      },
      "options": [
        {
          "modality": "text",
          "value": "The household may not have enough cash when a claim occurs",
          "short": "May lack cash when a claim hits"
        },
        {
          "modality": "text",
          "value": "It guarantees out-of-network care",
          "short": "It guarantees out-of-network care"
        },
        {
          "modality": "text",
          "value": "It always increases the monthly premium",
          "short": "It always raises the premium"
        },
        {
          "modality": "text",
          "value": "It removes every coverage limit",
          "short": "It removes every coverage limit"
        }
      ],
      "correctIndex": 0,
      "explanation": "A deductible is a real cash exposure that should fit available reserves.",
      "tags": [
        "lesson-8",
        "coverage",
        "money-101"
      ],
      "uid": "4g5km5ozrea"
    },
    {
      "id": "m101-mcq-coverage-3",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "What is coinsurance in health coverage?"
      },
      "options": [
        {
          "modality": "text",
          "value": "The insurer's maximum payment",
          "short": "The insurer's maximum payment"
        },
        {
          "modality": "text",
          "value": "A fixed monthly premium",
          "short": "A fixed monthly premium"
        },
        {
          "modality": "text",
          "value": "A percentage of the allowed cost paid by the member",
          "short": "A % of allowed cost you pay"
        },
        {
          "modality": "text",
          "value": "A flat amount for every policy year",
          "short": "A flat amount per policy year"
        }
      ],
      "correctIndex": 2,
      "explanation": "Coinsurance is percentage-based cost sharing, unlike a fixed copayment.",
      "tags": [
        "lesson-8",
        "coverage",
        "money-101"
      ],
      "uid": "45jljz1a6hgsp"
    },
    {
      "id": "m101-mcq-coverage-4",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Which item may remain outside a health plan's out-of-pocket maximum?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Premium payments",
          "short": "Premiums paid monthly"
        },
        {
          "modality": "text",
          "value": "Covered in-network copayments",
          "short": "In-network copayments"
        },
        {
          "modality": "text",
          "value": "Covered in-network coinsurance",
          "short": "In-network coinsurance"
        },
        {
          "modality": "text",
          "value": "Covered in-network deductibles",
          "short": "In-network deductibles"
        }
      ],
      "correctIndex": 0,
      "explanation": "Premiums generally do not count toward the out-of-pocket maximum.",
      "tags": [
        "lesson-8",
        "coverage",
        "money-101"
      ],
      "uid": "8tx0ov1paszap"
    },
    {
      "id": "m101-mcq-coverage-5",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "What should be compared besides the premium?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Deductibles, cost sharing, limits, networks, and exclusions",
          "short": "Deductibles and exclusions"
        },
        {
          "modality": "text",
          "value": "Only the monthly premium",
          "short": "Only the monthly premium"
        },
        {
          "modality": "text",
          "value": "Only the insurer's customer rating",
          "short": "Only the insurer's rating"
        },
        {
          "modality": "text",
          "value": "Only the annual deductible amount",
          "short": "Only the annual deductible"
        }
      ],
      "correctIndex": 0,
      "explanation": "Total and worst-case exposure depend on the full contract, not one price.",
      "tags": [
        "lesson-8",
        "coverage",
        "money-101"
      ],
      "uid": "3ddpu7bm2zfj"
    },
    {
      "id": "m101-proc-compare-policies",
      "shape": "procedure",
      "goal": "Compare insurance policies",
      "steps": [
        "Define the loss the policy must protect against",
        "Record premiums and deductibles",
        "Review limits, exclusions, and waiting periods",
        "For health plans, compare networks and cost sharing",
        "Estimate likely and worst-case annual household cost",
        "Confirm the deductible can be covered with available cash"
      ],
      "notes": "Use official plan documents, not only marketing summaries.",
      "tags": [
        "lesson-8",
        "coverage",
        "money-101",
        "practice"
      ],
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Editorial overhead photograph of two insurance policies compared across premiums, deductibles, limits, exclusions, and networks, no readable text, no logos.",
        "imageSearchTerm": "couple comparing insurance options advisor",
        "alt": "A consumer comparing insurance policies",
        "credit": "Unsplash · Vitaly Gariev · Unsplash License",
        "creditUrl": "https://unsplash.com/photos/a-man-and-woman-sitting-at-a-table-with-a-laptop-M5k978V3qBc",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-proc-compare-policies.webp"
      },
      "uid": "1t2aotf1v6iigj"
    },
    {
      "id": "m101-fact-catastrophic-first",
      "shape": "fact",
      "title": "Protect Against Catastrophic Loss",
      "body": "Insurance is most valuable when a covered loss would be difficult or impossible for the household to absorb from cash flow and savings.",
      "illustration": {
        "kind": "photo",
        "imagePrompt": "A family standing together outside their home, representing protection against a major loss that would be hard to absorb.",
        "imageSearchTerm": "family home insurance protection",
        "alt": "Household assets and income represented together",
        "depictable": true,
        "credit": "Pexels · Monstera Production · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/cutout-paper-appliques-of-house-with-family-and-insurance-symbol-5849553/",
        "subject": "Paper-cutout collage on a turquoise ground: two cupped hands either side of a cardboard house with a paper-chain family of four inside; a blue shield with an 'Insurance' ribbon and three dollar signs floats top-right",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-catastrophic-first.webp"
      },
      "tags": [
        "lesson-8",
        "policies",
        "money-101"
      ],
      "uid": "fcv3gvmzwl61"
    },
    {
      "id": "m101-fact-life-need",
      "shape": "fact",
      "title": "Life Insurance Follows Financial Need",
      "body": "Life insurance is most relevant when a death would leave others with lost income, caregiving costs, debts, education needs, or final expenses.",
      "tags": [
        "lesson-8",
        "policies",
        "money-101"
      ],
      "illustration": {
        "kind": "photo",
        "imagePrompt": "A family gathered around a table reviewing financial documents together, representing planning for dependents' future needs.",
        "imageSearchTerm": "family financial planning meeting",
        "alt": "A family identifying financial needs life insurance could protect",
        "depictable": true,
        "credit": "Pexels · Kampus Production · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/people-talking-8729969/",
        "subject": "A mother, a small boy in red, a teenage girl and an older short-haired woman in a pink blazer seated close together at a table looking down at papers — a family reviewing documents, no readable text in frame",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-life-need.webp"
      },
      "uid": "22nwp4bo5k26"
    },
    {
      "id": "m101-pair-term-life",
      "shape": "pair",
      "sideA": {
        "modality": "text",
        "value": "Term life insurance"
      },
      "sideB": {
        "modality": "text",
        "value": "Death-benefit coverage for a stated period, generally without cash value"
      },
      "tags": [
        "lesson-8",
        "policies",
        "money-101"
      ],
      "uid": "hzmszz1iewvfz"
    },
    {
      "id": "m101-def-disability-insurance",
      "shape": "definition",
      "term": {
        "modality": "text",
        "value": "Disability insurance"
      },
      "definition": {
        "modality": "text",
        "value": "Replaces part of covered income when illness or injury prevents a person from working under the policy definition."
      },
      "curatedDistractors": [
        "APR",
        "Debt consolidation",
        "Net pay"
      ],
      "tags": [
        "lesson-8",
        "policies",
        "money-101"
      ],
      "uid": "19ixs704qyr5k"
    },
    {
      "id": "m101-mcq-policies-1",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Which policy primarily protects a renter's belongings and liability rather than the building?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Homeowners dwelling coverage",
          "short": "Homeowners dwelling coverage"
        },
        {
          "modality": "text",
          "value": "Title insurance",
          "short": "Title insurance"
        },
        {
          "modality": "text",
          "value": "Mortgage insurance",
          "short": "Mortgage insurance"
        },
        {
          "modality": "text",
          "value": "Renters insurance",
          "short": "Renters insurance"
        }
      ],
      "correctIndex": 3,
      "explanation": "The landlord generally insures the building; the renter needs coverage for personal risks.",
      "tags": [
        "lesson-8",
        "policies",
        "money-101"
      ],
      "uid": "beg8h5dt0wmv"
    },
    {
      "id": "m101-mcq-policies-2",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "What risk does disability insurance primarily address?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Market decline in a retirement account",
          "short": "Decline in a retirement account"
        },
        {
          "modality": "text",
          "value": "Damage to another driver's vehicle",
          "short": "Damage to another's vehicle"
        },
        {
          "modality": "text",
          "value": "Loss of earned income after covered illness or injury",
          "short": "Lost income from illness/injury"
        },
        {
          "modality": "text",
          "value": "The death benefit owed to beneficiaries",
          "short": "Death benefit to beneficiaries"
        }
      ],
      "correctIndex": 2,
      "explanation": "Disability coverage replaces part of income when the insured cannot work under the contract.",
      "tags": [
        "lesson-8",
        "policies",
        "money-101"
      ],
      "uid": "gk22t0jmj8au"
    },
    {
      "id": "m101-mcq-policies-3",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Which statement about term life insurance is generally accurate?"
      },
      "options": [
        {
          "modality": "text",
          "value": "It pays only for medical care",
          "short": "Pays only for medical care"
        },
        {
          "modality": "text",
          "value": "It insures a home's replacement cost",
          "short": "Insures a home's rebuild cost"
        },
        {
          "modality": "text",
          "value": "It guarantees lifetime coverage at one premium",
          "short": "Lifetime coverage, one premium"
        },
        {
          "modality": "text",
          "value": "It covers a stated term and usually does not build cash value",
          "short": "Covers a term, no cash value"
        }
      ],
      "correctIndex": 3,
      "explanation": "Term insurance focuses on death-benefit protection for a defined period.",
      "tags": [
        "lesson-8",
        "policies",
        "money-101"
      ],
      "uid": "1unligk1y9h9ba"
    },
    {
      "id": "m101-mcq-policies-4",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "When is life insurance most clearly tied to a financial need?"
      },
      "options": [
        {
          "modality": "text",
          "value": "When a credit report contains an error",
          "short": "A credit report has an error"
        },
        {
          "modality": "text",
          "value": "When no one faces financial loss after death",
          "short": "No one loses money at death"
        },
        {
          "modality": "text",
          "value": "When the goal is deposit insurance",
          "short": "You want deposit insurance"
        },
        {
          "modality": "text",
          "value": "When others depend on the insured person's income or unpaid care",
          "short": "Others need your income/care"
        }
      ],
      "correctIndex": 3,
      "explanation": "Coverage should connect to obligations or economic support that would otherwise disappear.",
      "tags": [
        "lesson-8",
        "policies",
        "money-101"
      ],
      "uid": "hvvs4v57vff1"
    },
    {
      "id": "m101-mcq-policies-5",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "What is the best general conclusion about term versus permanent life insurance?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Both products have identical cash values",
          "short": "Both have identical cash values"
        },
        {
          "modality": "text",
          "value": "The suitable type depends on need duration, cost, guarantees, and complexity",
          "short": "Depends on need & cost & more"
        },
        {
          "modality": "text",
          "value": "Permanent is always superior",
          "short": "Permanent is always superior"
        },
        {
          "modality": "text",
          "value": "Term is illegal after age forty",
          "short": "Term is illegal after age 40"
        }
      ],
      "correctIndex": 1,
      "explanation": "The tradeoff is contextual; neither product is a universal winner.",
      "tags": [
        "lesson-8",
        "policies",
        "money-101"
      ],
      "uid": "1rujdm219n9bec"
    },
    {
      "id": "m101-proc-annual-coverage-review",
      "shape": "procedure",
      "goal": "Run an annual coverage review",
      "steps": [
        "List the people, income, property, and liabilities at risk",
        "Match each major risk to an existing policy or reserve",
        "Check limits, deductibles, and exclusions",
        "Update beneficiaries and household inventories",
        "Requote when needs or prices materially change",
        "Store policy and claim contacts securely"
      ],
      "notes": "Review after marriage, divorce, a birth, a home purchase, a new job, or a major debt change.",
      "tags": [
        "lesson-8",
        "policies",
        "money-101",
        "practice"
      ],
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Warm editorial photograph of a household annually reviewing beneficiaries, property inventory, policy limits, and emergency contacts, no readable text, no logos.",
        "imageSearchTerm": "couple annual insurance review documents",
        "alt": "A household conducting an annual coverage review",
        "credit": "Pexels · Kampus Production · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/a-man-and-woman-looking-the-laptop-8439679/",
        "subject": "an older man and woman on a sofa at home, both looking down at a sheet of paper she holds, laptop on the coffee table, no readable text",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-proc-annual-coverage-review.webp"
      },
      "uid": "57uubz1o5zcsb"
    },
    {
      "id": "m101-concept-health-insurance",
      "shape": "concept",
      "conceptKind": "thing",
      "name": "Health insurance",
      "clues": [
        "Addresses covered medical-care costs",
        "Often uses networks and cost sharing",
        "May include a deductible and out-of-pocket maximum"
      ],
      "tags": [
        "lesson-8",
        "policies",
        "money-101",
        "key-concept"
      ],
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Authentic editorial photograph of a family discussing covered medical care with a healthcare professional, respectful and reassuring, no readable text, no logos.",
        "imageSearchTerm": "family doctor appointment insurance planning",
        "alt": "A family using health insurance for medical care",
        "credit": "Unsplash · Vitaly Gariev · Unsplash License",
        "creditUrl": "https://unsplash.com/photos/doctor-examines-a-young-boy-with-his-mother-present-EiL21cqvo58",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-concept-health-insurance.webp"
      },
      "uid": "sqss4j5bzcqh"
    },
    {
      "id": "m101-concept-auto-insurance",
      "shape": "concept",
      "conceptKind": "thing",
      "name": "Auto insurance",
      "clues": [
        "Addresses vehicle-related liability and selected damage",
        "Required coverage varies by jurisdiction",
        "Collision and comprehensive cover different risks"
      ],
      "tags": [
        "lesson-8",
        "policies",
        "money-101",
        "key-concept"
      ],
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Editorial photograph of a driver reviewing auto protection beside a safely parked everyday vehicle, realistic ownership context, no readable text, no logos.",
        "imageSearchTerm": "auto insurance driver vehicle protection",
        "alt": "A driver reviewing auto insurance beside a vehicle",
        "credit": "Pexels · Mikhail Nilov · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/person-writing-on-a-clipboard-inside-the-vehicle-8943323/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-concept-auto-insurance.webp"
      },
      "uid": "12y3bdr18b5anh"
    },
    {
      "id": "m101-concept-homeowners-insurance",
      "shape": "concept",
      "conceptKind": "thing",
      "name": "Homeowners insurance",
      "clues": [
        "Addresses selected dwelling, property, and liability losses",
        "Policy limits and exclusions matter",
        "Flood and earthquake may require separate coverage"
      ],
      "tags": [
        "lesson-8",
        "policies",
        "money-101",
        "key-concept"
      ],
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Warm editorial photograph of homeowners reviewing dwelling, property, and liability protection at their house, no readable text, no logos.",
        "imageSearchTerm": "family outside home insurance planning",
        "alt": "Homeowners reviewing protection for their house",
        "credit": "Unsplash · Rohit Dey · Unsplash License",
        "creditUrl": "https://unsplash.com/photos/a-family-of-five-including-a-baby-posing-F4AsoI38xTk",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-concept-homeowners-insurance.webp"
      },
      "uid": "117w8j4dcr43s"
    },
    {
      "id": "m101-concept-renters-insurance",
      "shape": "concept",
      "conceptKind": "thing",
      "name": "Renters insurance",
      "clues": [
        "Addresses a renter's personal property and liability",
        "The landlord's policy generally covers the building",
        "May include certain additional living expenses"
      ],
      "tags": [
        "lesson-8",
        "policies",
        "money-101",
        "key-concept"
      ],
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Authentic editorial photograph of a renter making a home inventory of belongings in an apartment for insurance purposes, no readable text, no logos.",
        "imageSearchTerm": "renters insurance apartment belongings",
        "alt": "A renter documenting belongings in an apartment",
        "credit": "Pexels · cottonbro studio · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/man-in-white-polo-shirt-holding-white-tablet-computer-beside-woman-in-gray-sweater-4554377/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-concept-renters-insurance.webp"
      },
      "uid": "swrn3s1pzscm8"
    },
    {
      "id": "m101-concept-disability-coverage",
      "shape": "concept",
      "conceptKind": "thing",
      "name": "Disability insurance",
      "clues": [
        "Addresses lost earned income",
        "Uses a policy definition of disability",
        "Benefits may begin after a waiting period"
      ],
      "tags": [
        "lesson-8",
        "policies",
        "money-101",
        "key-concept"
      ],
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Respectful editorial photograph of a working adult discussing income protection during recovery from illness or injury, no readable text, no logos.",
        "imageSearchTerm": "disability insurance income protection worker",
        "alt": "A worker considering income protection after illness or injury",
        "credit": "Pexels · Ivan S · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/a-man-writing-on-a-whiteboard-8127628/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-concept-disability-coverage.webp"
      },
      "uid": "1k3pi9i12b92ro"
    },
    {
      "id": "m101-concept-life-insurance",
      "shape": "concept",
      "conceptKind": "thing",
      "name": "Life insurance",
      "clues": [
        "Pays a death benefit to beneficiaries under the contract",
        "Useful when death creates financial harm for others",
        "Term and permanent policies have different structures"
      ],
      "tags": [
        "lesson-8",
        "policies",
        "money-101",
        "key-concept"
      ],
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Warm, dignified editorial photograph of a family planning long-term financial protection for dependents, no readable text, no logos.",
        "imageSearchTerm": "life insurance family financial protection",
        "alt": "A family planning financial protection after a death",
        "credit": "Pexels · Vitaly Gariev · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/happy-couple-consulting-with-professional-advisor-36729961/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-concept-life-insurance.webp"
      },
      "uid": "1av4988pekq68"
    },
    {
      "id": "m101-fact-match-rules",
      "shape": "fact",
      "title": "Know the Match Formula",
      "body": "An employer match is valuable only when the worker understands the required contribution, eligible pay, timing, and vesting rules.",
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Editorial photograph of an employee reviewing a workplace retirement plan and match formula with a benefits representative, no readable text, no logos.",
        "imageSearchTerm": "employee reviewing retirement match benefits",
        "alt": "An employee reviewing workplace retirement benefits",
        "credit": "Pexels · Vitaly Gariev · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/business-colleagues-reviewing-document-in-office-36733314/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-match-rules.webp"
      },
      "tags": [
        "lesson-9",
        "workplace",
        "money-101"
      ],
      "uid": "1i1uzvhfuhnr3"
    },
    {
      "id": "m101-fact-tax-treatment-not-investment",
      "shape": "fact",
      "title": "Traditional and Roth Are Tax Treatments",
      "body": "Traditional and Roth labels describe tax treatment and account rules; the investments held inside the account are a separate choice.",
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Editorial overhead photograph of two distinct retirement account paths represented by blank folders and investment allocation cards, no readable text, no logos.",
        "imageSearchTerm": "person comparing retirement account options",
        "alt": "A person comparing Traditional and Roth account paths",
        "credit": "Unsplash · Towfiqu barbhuiya · Unsplash License",
        "creditUrl": "https://unsplash.com/photos/person-in-black-suit-jacket-holding-white-tablet-computer-nApaSgkzaxg",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-tax-treatment-not-investment.webp"
      },
      "tags": [
        "lesson-9",
        "workplace",
        "money-101"
      ],
      "uid": "ivvhcg1w5or1u"
    },
    {
      "id": "m101-pair-defined-contribution",
      "shape": "pair",
      "sideA": {
        "modality": "text",
        "value": "Defined contribution plan"
      },
      "sideB": {
        "modality": "text",
        "value": "An individual account funded by employee or employer contributions without a promised retirement payment"
      },
      "tags": [
        "lesson-9",
        "workplace",
        "money-101"
      ],
      "uid": "ycvvms8k0vo"
    },
    {
      "id": "m101-def-vesting",
      "shape": "definition",
      "term": {
        "modality": "text",
        "value": "Vesting"
      },
      "definition": {
        "modality": "text",
        "value": "Vesting is the process by which a worker gains nonforfeitable ownership of employer contributions under a plan's schedule."
      },
      "curatedDistractors": [
        "Financial friction",
        "Liability",
        "Irregular expense"
      ],
      "tags": [
        "lesson-9",
        "workplace",
        "money-101"
      ],
      "uid": "eflg7611j4aac"
    },
    {
      "id": "m101-mcq-workplace-1",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "What does an employer match usually require?"
      },
      "options": [
        {
          "modality": "text",
          "value": "An insurance claim",
          "short": "An insurance claim"
        },
        {
          "modality": "text",
          "value": "A perfect credit score",
          "short": "A perfect credit score"
        },
        {
          "modality": "text",
          "value": "An employee contribution under the plan's formula",
          "short": "Employee contribution"
        },
        {
          "modality": "text",
          "value": "A mortgage application",
          "short": "A mortgage application"
        }
      ],
      "correctIndex": 2,
      "explanation": "Matching contributions are tied to employee deferrals and plan-specific rules.",
      "tags": [
        "lesson-9",
        "workplace",
        "money-101"
      ],
      "uid": "8555t51kxzirz"
    },
    {
      "id": "m101-mcq-workplace-2",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "What does vesting determine?"
      },
      "options": [
        {
          "modality": "text",
          "value": "The health plan's deductible",
          "short": "Health plan deductible"
        },
        {
          "modality": "text",
          "value": "The employee's current credit utilization",
          "short": "Your credit utilization"
        },
        {
          "modality": "text",
          "value": "The bank's deposit-insurance status",
          "short": "Bank deposit-insurance status"
        },
        {
          "modality": "text",
          "value": "Ownership of employer contributions over time",
          "short": "Ownership of employer funds"
        }
      ],
      "correctIndex": 3,
      "explanation": "Vesting schedules apply to employer money; employee deferrals remain the employee's.",
      "tags": [
        "lesson-9",
        "workplace",
        "money-101"
      ],
      "uid": "1wxs1ahkil57n"
    },
    {
      "id": "m101-mcq-workplace-3",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Which plan promises a benefit under a formula?"
      },
      "options": [
        {
          "modality": "text",
          "value": "A defined benefit pension",
          "short": "A defined benefit pension"
        },
        {
          "modality": "text",
          "value": "A taxable brokerage account",
          "short": "A taxable brokerage account"
        },
        {
          "modality": "text",
          "value": "A checking account",
          "short": "A checking account"
        },
        {
          "modality": "text",
          "value": "A defined contribution account",
          "short": "A defined contribution account"
        }
      ],
      "correctIndex": 0,
      "explanation": "Defined benefit plans promise a formula-based retirement benefit.",
      "tags": [
        "lesson-9",
        "workplace",
        "money-101"
      ],
      "uid": "1rk022ppap2hp"
    },
    {
      "id": "m101-mcq-workplace-4",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "What is the central difference between Traditional and Roth treatment?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Whether the owner has a bank account",
          "short": "Whether you have a bank account"
        },
        {
          "modality": "text",
          "value": "Whether the account can hold investments",
          "short": "Whether it can hold investments"
        },
        {
          "modality": "text",
          "value": "Whether the employer exists",
          "short": "Whether the employer exists"
        },
        {
          "modality": "text",
          "value": "When taxes are generally paid under the applicable rules",
          "short": "When taxes are generally paid"
        }
      ],
      "correctIndex": 3,
      "explanation": "The labels concern tax timing and eligibility, not a unique asset class.",
      "tags": [
        "lesson-9",
        "workplace",
        "money-101"
      ],
      "uid": "14wen91b2exf3"
    },
    {
      "id": "m101-mcq-workplace-5",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "What role does Social Security usually play?"
      },
      "options": [
        {
          "modality": "text",
          "value": "A guaranteed replacement of every dollar of pay",
          "short": "Replaces every dollar of pay"
        },
        {
          "modality": "text",
          "value": "A federal retirement foundation based partly on covered earnings and claiming age",
          "short": "Federal retirement income"
        },
        {
          "modality": "text",
          "value": "A credit-score model",
          "short": "A credit-score model"
        },
        {
          "modality": "text",
          "value": "A private checking account",
          "short": "A private checking account"
        }
      ],
      "correctIndex": 1,
      "explanation": "Social Security is an important income source but not necessarily a complete retirement plan.",
      "tags": [
        "lesson-9",
        "workplace",
        "money-101"
      ],
      "uid": "1d5sfenxaanx3"
    },
    {
      "id": "m101-proc-decode-plan",
      "shape": "procedure",
      "goal": "Decode a workplace retirement plan",
      "steps": [
        "Find the employee contribution options",
        "Write down the employer match formula",
        "Check the vesting schedule",
        "Compare Traditional and Roth availability and rules",
        "Review investment choices and fees",
        "Set and verify beneficiaries"
      ],
      "notes": "Use the plan document or administrator for current rules.",
      "tags": [
        "lesson-9",
        "workplace",
        "money-101",
        "practice"
      ],
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Editorial photograph of an employee reviewing contribution choices, employer match, vesting, investments, fees, and beneficiaries, no readable text, no logos.",
        "imageSearchTerm": "employee decoding workplace retirement plan",
        "alt": "An employee reviewing workplace retirement-plan details",
        "credit": "Pexels · AI25.Studio  Studio · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/a-man-and-woman-having-a-meeting-in-the-office-5862267/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-proc-decode-plan.webp"
      },
      "uid": "1wto5ou1gp16lc"
    },
    {
      "id": "m101-fact-start-now",
      "shape": "fact",
      "title": "Starting Now Still Matters",
      "body": "Earlier contributions have more time to compound, but a later start is not a reason to give up; higher savings, lower fees, and better planning can still improve outcomes.",
      "illustration": {
        "kind": "photo",
        "imagePrompt": "A young adult and an older adult each depositing money into their own separate savings jar, representing starting to save at different points in life.",
        "imageSearchTerm": "adults saving retirement ages",
        "alt": "Adults at different life stages planning retirement",
        "depictable": true,
        "credit": "Pexels · Kampus Production · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/elderly-couple-completing-documents-7477698/",
        "subject": "An older couple at a wooden table with printed documents, a pen, a tablet and a coffee cup; she is talking, he is reading the papers — reviewing paperwork together.",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-start-now.webp"
      },
      "tags": [
        "lesson-9",
        "routine",
        "money-101"
      ],
      "uid": "1560qny14o57o4"
    },
    {
      "id": "m101-fact-limits-not-targets",
      "shape": "fact",
      "title": "Legal Limits Are Not Savings Targets",
      "body": "Contribution limits cap tax-advantaged deposits under specific rules. A sustainable personal contribution may be lower and should fit cash flow.",
      "tags": [
        "lesson-9",
        "routine",
        "money-101"
      ],
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Editorial photograph of a saver comparing a legal retirement contribution ceiling with a smaller sustainable household contribution, no readable text, no logos.",
        "imageSearchTerm": "retirement contribution limit personal budget",
        "alt": "A saver fitting retirement contributions into a household budget",
        "credit": "Pexels · Picas Joe · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/time-and-money-11348123/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-limits-not-targets.webp"
      },
      "uid": "kpu1shu8mjrb"
    },
    {
      "id": "m101-pair-target-date-fund",
      "shape": "pair",
      "sideA": {
        "modality": "text",
        "value": "Target-date fund"
      },
      "sideB": {
        "modality": "text",
        "value": "A diversified fund that generally shifts its asset mix as a stated retirement year approaches"
      },
      "tags": [
        "lesson-9",
        "routine",
        "money-101"
      ],
      "uid": "1x0eb6w1n3ddqu"
    },
    {
      "id": "m101-def-diversification",
      "shape": "definition",
      "term": {
        "modality": "text",
        "value": "Diversification"
      },
      "definition": {
        "modality": "text",
        "value": "Diversification is spreading investments across holdings or asset classes to reduce dependence on any single exposure."
      },
      "curatedDistractors": [
        "Liability",
        "Irregular expense",
        "Pay yourself first"
      ],
      "tags": [
        "lesson-9",
        "routine",
        "money-101"
      ],
      "uid": "h1vyi7adf2on"
    },
    {
      "id": "m101-mcq-routine-1",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Which retirement contribution is most likely to be sustainable?"
      },
      "options": [
        {
          "modality": "text",
          "value": "An automated amount that fits current cash flow and is reviewed after changes",
          "short": "Auto amount fitting cash flow"
        },
        {
          "modality": "text",
          "value": "A random amount changed every week",
          "short": "A random amount each week"
        },
        {
          "modality": "text",
          "value": "No contribution until every future uncertainty is gone",
          "short": "Nothing until all risk is gone"
        },
        {
          "modality": "text",
          "value": "The legal maximum regardless of unpaid essentials",
          "short": "The legal max, ignoring bills"
        }
      ],
      "correctIndex": 0,
      "explanation": "A repeatable contribution can grow over time without destabilizing current obligations.",
      "tags": [
        "lesson-9",
        "routine",
        "money-101"
      ],
      "uid": "1alldf2l7cx0e"
    },
    {
      "id": "m101-mcq-routine-2",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "What does diversification do?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Eliminates all fees and taxes",
          "short": "Eliminates all fees and taxes"
        },
        {
          "modality": "text",
          "value": "Reduces dependence on a single investment or exposure",
          "short": "Cuts reliance on one holding"
        },
        {
          "modality": "text",
          "value": "Fixes the retirement date",
          "short": "Fixes the retirement date"
        },
        {
          "modality": "text",
          "value": "Guarantees against every market loss",
          "short": "Prevents every market loss"
        }
      ],
      "correctIndex": 1,
      "explanation": "Diversification manages concentration risk but cannot remove market risk.",
      "tags": [
        "lesson-9",
        "routine",
        "money-101"
      ],
      "uid": "1mi7pw0l89dgm"
    },
    {
      "id": "m101-mcq-routine-3",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Why review investment fees?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Fees increase the employer match automatically",
          "short": "Fees raise the employer match"
        },
        {
          "modality": "text",
          "value": "Fees determine Social Security eligibility",
          "short": "Fees set Social Security access"
        },
        {
          "modality": "text",
          "value": "Small recurring percentages can reduce long-term account value",
          "short": "Small fees cut long-term value"
        },
        {
          "modality": "text",
          "value": "Fees replace the need to diversify",
          "short": "Fees replace the need to diversify"
        }
      ],
      "correctIndex": 2,
      "explanation": "Costs compound against the investor just as returns compound for the investor.",
      "tags": [
        "lesson-9",
        "routine",
        "money-101"
      ],
      "uid": "1dkgk0e1p59c86"
    },
    {
      "id": "m101-mcq-routine-4",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "How should employer matching and expensive debt be prioritized?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Always ignore the match",
          "short": "Always ignore the match"
        },
        {
          "modality": "text",
          "value": "Always ignore high-interest debt",
          "short": "Always ignore costly debt"
        },
        {
          "modality": "text",
          "value": "Use one universal order for every household",
          "short": "Use one order for everyone"
        },
        {
          "modality": "text",
          "value": "Use the actual match, interest costs, stability, and consequences to choose",
          "short": "Weigh actual match & costs"
        }
      ],
      "correctIndex": 3,
      "explanation": "The tradeoff is contextual and should protect essential obligations and resilience.",
      "tags": [
        "lesson-9",
        "routine",
        "money-101"
      ],
      "uid": "1gh6gxkdn8wca"
    },
    {
      "id": "m101-mcq-routine-5",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "What should happen before relying on a contribution limit?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Verify the current tax year and eligibility rules",
          "short": "Verify year and eligibility"
        },
        {
          "modality": "text",
          "value": "Add all account limits together without rules",
          "short": "Add all limits without rules"
        },
        {
          "modality": "text",
          "value": "Assume last year's limit is permanent",
          "short": "Assume last year's limit holds"
        },
        {
          "modality": "text",
          "value": "Treat the limit as a required minimum",
          "short": "Treat the limit as a minimum"
        }
      ],
      "correctIndex": 0,
      "explanation": "Limits and eligibility can change and apply differently by plan and age.",
      "tags": [
        "lesson-9",
        "routine",
        "money-101"
      ],
      "uid": "1p7jwba18wxg4g"
    },
    {
      "id": "m101-proc-retirement-routine",
      "shape": "procedure",
      "goal": "Build an annual retirement routine",
      "steps": [
        "Protect essential cash flow and identify the employer match",
        "Choose a sustainable contribution rate",
        "Select a diversified, understandable investment approach",
        "Check fees and beneficiaries",
        "Increase contributions after raises or finished debts when feasible",
        "Verify current limits and review the plan annually"
      ],
      "notes": "Coordinate major tax or rollover decisions with current official guidance or qualified advice.",
      "tags": [
        "lesson-9",
        "routine",
        "money-101",
        "practice"
      ],
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Editorial photograph of an adult reviewing contribution rate, diversified investments, fees, beneficiaries, and annual limits, no readable text, no logos.",
        "imageSearchTerm": "annual retirement savings review routine",
        "alt": "A saver conducting an annual retirement review",
        "credit": "Pexels · Towfiqu barbhuiya · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/stacks-of-coins-and-an-alarm-clock-11743789/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-proc-retirement-routine.webp"
      },
      "uid": "uqw03q1jxzhkg"
    },
    {
      "id": "m101-num-limit-401k-2026",
      "shape": "numeric",
      "prompt": {
        "modality": "text",
        "value": "2026 employee limit for 401(k), 403(b), governmental 457, and TSP plans"
      },
      "value": 24500,
      "unit": "USD",
      "tolerance": 0,
      "tags": [
        "lesson-9",
        "routine",
        "money-101",
        "numeric"
      ],
      "uid": "l3hu5o5oioas"
    },
    {
      "id": "m101-num-limit-ira-2026",
      "shape": "numeric",
      "prompt": {
        "modality": "text",
        "value": "2026 annual IRA contribution limit"
      },
      "value": 7500,
      "unit": "USD",
      "tolerance": 0,
      "tags": [
        "lesson-9",
        "routine",
        "money-101",
        "numeric"
      ],
      "uid": "1be1enybywdsa"
    },
    {
      "id": "m101-num-catchup-workplace-2026",
      "shape": "numeric",
      "prompt": {
        "modality": "text",
        "value": "2026 general age-50-plus workplace-plan catch-up limit"
      },
      "value": 8000,
      "unit": "USD",
      "tolerance": 0,
      "tags": [
        "lesson-9",
        "routine",
        "money-101",
        "numeric"
      ],
      "uid": "nvgh6yrq0clq"
    },
    {
      "id": "m101-num-catchup-60-63-2026",
      "shape": "numeric",
      "prompt": {
        "modality": "text",
        "value": "2026 workplace-plan catch-up limit for ages 60 through 63"
      },
      "value": 11250,
      "unit": "USD",
      "tolerance": 0,
      "tags": [
        "lesson-9",
        "routine",
        "money-101",
        "numeric"
      ],
      "uid": "1fexhyi1ulojkm"
    },
    {
      "id": "m101-num-catchup-ira-2026",
      "shape": "numeric",
      "prompt": {
        "modality": "text",
        "value": "2026 age-50-plus IRA catch-up limit"
      },
      "value": 1100,
      "unit": "USD",
      "tolerance": 0,
      "tags": [
        "lesson-9",
        "routine",
        "money-101",
        "numeric"
      ],
      "uid": "njb6ia1me78bo"
    },
    {
      "id": "m101-num-limit-simple-2026",
      "shape": "numeric",
      "prompt": {
        "modality": "text",
        "value": "2026 general SIMPLE retirement-account contribution limit"
      },
      "value": 17000,
      "unit": "USD",
      "tolerance": 0,
      "tags": [
        "lesson-9",
        "routine",
        "money-101",
        "numeric"
      ],
      "uid": "1kwn6vwftphw0"
    },
    {
      "id": "m101-fact-urgency-tool",
      "shape": "fact",
      "title": "Urgency Is a Manipulation Tool",
      "body": "A demand to act immediately is a reason to slow down, especially when the contact also uses threats, secrecy, or unusual payment instructions.",
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Editorial photograph of a person setting down a phone and pausing before responding to an urgent suspicious message, no readable screen text, no logos.",
        "imageSearchTerm": "person pausing suspicious phone message",
        "alt": "A person pausing before responding to a suspicious message",
        "credit": "Pexels · RDNE Stock project · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/close-up-view-of-man-texting-on-phone-10376167/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-urgency-tool.webp"
      },
      "tags": [
        "lesson-10",
        "verify",
        "money-101"
      ],
      "uid": "1x27z348orci8"
    },
    {
      "id": "m101-fact-verify-independent",
      "shape": "fact",
      "title": "Verify Outside the Conversation",
      "body": "Use a phone number, app, statement, or website you already trust. Do not verify through the link or callback number supplied by the suspicious contact.",
      "illustration": {
        "kind": "photo",
        "imagePrompt": "A person looking up a bank's phone number independently on a trusted printed statement before making a call, phone in hand.",
        "imageSearchTerm": "person verifying bank phone",
        "alt": "A consumer independently verifying a bank contact",
        "depictable": true,
        "credit": "Pexels · Phasha 360 · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/close-up-shot-of-a-man-holding-a-bank-card-5063496/",
        "subject": "Bearded man in a black sweater, face cropped at the nose, holding a phone to his ear with one hand and the back of a gold bank card up to read it with the other; small print on the card reads 'Authorised Signature… property of Capitec Bank Limited… 24hr Client Care Centre: South Africa 0860…'",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-verify-independent.webp"
      },
      "tags": [
        "lesson-10",
        "verify",
        "money-101"
      ],
      "uid": "16gc01hawxnfn"
    },
    {
      "id": "m101-pair-imposter-scam",
      "shape": "pair",
      "sideA": {
        "modality": "text",
        "value": "Imposter scam"
      },
      "sideB": {
        "modality": "text",
        "value": "Fraud in which someone pretends to be a trusted person, business, or government agency"
      },
      "tags": [
        "lesson-10",
        "verify",
        "money-101"
      ],
      "uid": "1t02i3k1noq32u"
    },
    {
      "id": "m101-def-phishing",
      "shape": "definition",
      "term": {
        "modality": "text",
        "value": "Phishing"
      },
      "definition": {
        "modality": "text",
        "value": "A deceptive message or site designed to steal information, credentials, or money by impersonating a trusted source."
      },
      "curatedDistractors": [
        "Pay yourself first",
        "Reconciliation",
        "Ownership category"
      ],
      "tags": [
        "lesson-10",
        "verify",
        "money-101"
      ],
      "uid": "1dz3qnn1y33jxf"
    },
    {
      "id": "m101-mcq-verify-1",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "A caller says bank funds must be moved immediately to a safe account. What is the best response?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Share the one-time code to prove identity",
          "short": "Share the one-time code"
        },
        {
          "modality": "text",
          "value": "Call the number shown in the caller's text",
          "short": "Call the number in the text"
        },
        {
          "modality": "text",
          "value": "Transfer the funds before the deadline",
          "short": "Move the funds immediately"
        },
        {
          "modality": "text",
          "value": "End the call and contact the bank through a trusted number",
          "short": "Hang up; call your own bank"
        }
      ],
      "correctIndex": 3,
      "explanation": "Independent verification breaks the scammer's control of the channel.",
      "tags": [
        "lesson-10",
        "verify",
        "money-101"
      ],
      "uid": "1w5rzw21e4o9zm"
    },
    {
      "id": "m101-mcq-verify-2",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Which payment request is a strong scam warning sign?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Gift-card codes demanded to settle a government debt",
          "short": "Gift cards to pay a govt debt"
        },
        {
          "modality": "text",
          "value": "An invoice matched to an approved purchase order",
          "short": "Invoice matched to a valid PO"
        },
        {
          "modality": "text",
          "value": "A card payment through a known utility portal",
          "short": "Card payment via a known utility"
        },
        {
          "modality": "text",
          "value": "A check to a verified local landlord",
          "short": "Check to a verified landlord"
        }
      ],
      "correctIndex": 0,
      "explanation": "Government debts are not resolved through gift-card codes.",
      "tags": [
        "lesson-10",
        "verify",
        "money-101"
      ],
      "uid": "gfhudct41g8s"
    },
    {
      "id": "m101-mcq-verify-3",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Why is caller ID not sufficient proof?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Banks never make outbound calls",
          "short": "Banks never make outbound calls"
        },
        {
          "modality": "text",
          "value": "Caller ID always blocks government agencies",
          "short": "It blocks government agencies"
        },
        {
          "modality": "text",
          "value": "The displayed identity can be spoofed",
          "short": "The shown ID can be spoofed"
        },
        {
          "modality": "text",
          "value": "Only landlines show numbers",
          "short": "Only landlines show numbers"
        }
      ],
      "correctIndex": 2,
      "explanation": "Scammers can make a call appear to come from a familiar organization.",
      "tags": [
        "lesson-10",
        "verify",
        "money-101"
      ],
      "uid": "1qzrry71m210vn"
    },
    {
      "id": "m101-mcq-verify-4",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "What should happen when a message combines urgency and secrecy?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Pause and consult a trusted independent source",
          "short": "Pause and ask a trusted source"
        },
        {
          "modality": "text",
          "value": "Disable transaction alerts",
          "short": "Disable transaction alerts"
        },
        {
          "modality": "text",
          "value": "Act before anyone can interfere",
          "short": "Act before anyone can interfere"
        },
        {
          "modality": "text",
          "value": "Delete all account records",
          "short": "Delete all account records"
        }
      ],
      "correctIndex": 0,
      "explanation": "Pressure and isolation are manipulation tactics; a pause restores independent judgment.",
      "tags": [
        "lesson-10",
        "verify",
        "money-101"
      ],
      "uid": "y18ww7whwa8n"
    },
    {
      "id": "m101-mcq-verify-5",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "What is the safest use of a one-time authentication code?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Read it to an incoming caller",
          "short": "Read it to an incoming caller"
        },
        {
          "modality": "text",
          "value": "Enter it only in the legitimate service you initiated",
          "short": "Enter it in the app you opened"
        },
        {
          "modality": "text",
          "value": "Post it in a support chat from a search ad",
          "short": "Post it in a search-ad chat"
        },
        {
          "modality": "text",
          "value": "Forward it to anyone claiming to be security",
          "short": "Send it to anyone claiming security"
        }
      ],
      "correctIndex": 1,
      "explanation": "Authentication codes prove access and should not be shared with unsolicited contacts.",
      "tags": [
        "lesson-10",
        "verify",
        "money-101"
      ],
      "uid": "1ryx24n18a1x69"
    },
    {
      "id": "m101-proc-verify-contact",
      "shape": "procedure",
      "goal": "Verify a suspicious financial contact",
      "steps": [
        "Stop the conversation without sending money or information",
        "Preserve the message, number, or email",
        "Find contact details from a trusted statement, card, or official site",
        "Contact the organization independently",
        "Ask a trusted person when pressure is high",
        "Report and block the fraudulent contact"
      ],
      "notes": "Do not use links or callback details supplied by the suspicious message.",
      "tags": [
        "lesson-10",
        "verify",
        "money-101",
        "practice"
      ],
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Documentary photograph of a consumer ending a suspicious call and using a trusted statement to contact the institution independently, no readable text, no logos.",
        "imageSearchTerm": "person calling bank number from statement",
        "alt": "A consumer independently verifying a suspicious financial contact",
        "credit": "Pexels · Kampus Production · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/woman-in-pink-dress-talking-on-the-phone-8036889/",
        "subject": "A woman at a desk speaking on a mobile phone while looking down at a printed document on a clipboard, laptop open, pen in hand, abstract painting behind her",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-proc-verify-contact.webp"
      },
      "uid": "ltggw11mx4flj"
    },
    {
      "id": "m101-fact-freeze-purpose",
      "shape": "fact",
      "title": "A Freeze Blocks New-Credit Access",
      "body": "A credit freeze can make it harder for an identity thief to open new credit, but it does not stop fraudulent use of an existing account.",
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Editorial photograph of a consumer organizing three credit-bureau security steps with a lock motif, no readable text, no logos.",
        "imageSearchTerm": "padlock laptop cybersecurity protection",
        "alt": "A consumer securing credit files",
        "credit": "Pexels · Dan  Nelson · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/a-laptop-over-a-round-table-4973899/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-freeze-purpose.webp"
      },
      "tags": [
        "lesson-10",
        "recover",
        "money-101"
      ],
      "uid": "nyluuh102ax9p"
    },
    {
      "id": "m101-fact-recovery-speed",
      "shape": "fact",
      "title": "Move Quickly and Keep Records",
      "body": "After suspected fraud, contact affected institutions through trusted channels, secure accounts, preserve evidence, and document every report and response.",
      "tags": [
        "lesson-10",
        "recover",
        "money-101"
      ],
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Documentary photograph of a consumer calling a financial institution through a trusted channel while preserving suspicious messages and transaction notes, no readable text, no logos.",
        "imageSearchTerm": "fraud response records bank call",
        "alt": "A consumer quickly documenting and reporting suspected fraud",
        "credit": "Pexels · RDNE Stock project · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/an-alert-text-message-on-a-cellphone-7821766/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-fact-recovery-speed.webp"
      },
      "uid": "cth9dxg3vt3h"
    },
    {
      "id": "m101-pair-multifactor-authentication",
      "shape": "pair",
      "sideA": {
        "modality": "text",
        "value": "Multifactor authentication"
      },
      "sideB": {
        "modality": "text",
        "value": "A login safeguard requiring more than one type of proof"
      },
      "tags": [
        "lesson-10",
        "recover",
        "money-101"
      ],
      "uid": "g1ie3z1y0lmdr"
    },
    {
      "id": "m101-def-credit-freeze",
      "shape": "definition",
      "term": {
        "modality": "text",
        "value": "Credit freeze"
      },
      "definition": {
        "modality": "text",
        "value": "A free restriction that blocks prospective creditors from accessing a consumer's credit file until the consumer lifts it."
      },
      "curatedDistractors": [
        "Reconciliation",
        "Ownership category",
        "Liquidity"
      ],
      "tags": [
        "lesson-10",
        "recover",
        "money-101"
      ],
      "uid": "120818ledn08f"
    },
    {
      "id": "m101-mcq-recover-1",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "What can a credit freeze help prevent?"
      },
      "options": [
        {
          "modality": "text",
          "value": "New credit opened by an identity thief",
          "short": "New credit opened by a thief"
        },
        {
          "modality": "text",
          "value": "The loss of a physical wallet",
          "short": "The loss of a physical wallet"
        },
        {
          "modality": "text",
          "value": "Fraudulent charges on an existing card",
          "short": "Fraud on an existing card"
        },
        {
          "modality": "text",
          "value": "Every phishing message",
          "short": "Every phishing message"
        }
      ],
      "correctIndex": 0,
      "explanation": "A freeze restricts access to the credit file used for new-credit decisions.",
      "tags": [
        "lesson-10",
        "recover",
        "money-101"
      ],
      "uid": "4azdh58cb8ib"
    },
    {
      "id": "m101-mcq-recover-2",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "How many nationwide credit reporting companies must be contacted for a complete U.S. freeze?"
      },
      "options": [
        {
          "modality": "text",
          "value": "One company chosen by the employer",
          "short": "One, chosen by the employer"
        },
        {
          "modality": "text",
          "value": "Only the bank that issued a card",
          "short": "Only the card issuer"
        },
        {
          "modality": "text",
          "value": "All three separately",
          "short": "All three, separately"
        },
        {
          "modality": "text",
          "value": "Only the company with the highest score",
          "short": "Only the top-scoring one"
        }
      ],
      "correctIndex": 2,
      "explanation": "Equifax, Experian, and TransUnion each maintain a separate file and freeze.",
      "tags": [
        "lesson-10",
        "recover",
        "money-101"
      ],
      "uid": "8io0of1ag5yxh"
    },
    {
      "id": "m101-mcq-recover-3",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "What is a strong password practice?"
      },
      "options": [
        {
          "modality": "text",
          "value": "Reuse one memorable password everywhere",
          "short": "Reuse one password everywhere"
        },
        {
          "modality": "text",
          "value": "Send passwords to yourself by public post",
          "short": "Post passwords publicly"
        },
        {
          "modality": "text",
          "value": "Use unique passwords stored in a reputable password manager",
          "short": "Unique passwords in a manager"
        },
        {
          "modality": "text",
          "value": "Disable all account alerts",
          "short": "Disable all account alerts"
        }
      ],
      "correctIndex": 2,
      "explanation": "Unique credentials limit the damage when one service is breached.",
      "tags": [
        "lesson-10",
        "recover",
        "money-101"
      ],
      "uid": "wef0joc5lvlu"
    },
    {
      "id": "m101-mcq-recover-4",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "What should be preserved after suspected fraud?"
      },
      "options": [
        {
          "modality": "text",
          "value": "No records after the card is locked",
          "short": "No records once the card's locked"
        },
        {
          "modality": "text",
          "value": "Passwords written in the complaint",
          "short": "Passwords in the complaint"
        },
        {
          "modality": "text",
          "value": "Messages, dates, transaction details, and report confirmations",
          "short": "Messages/dates/amounts/reports"
        },
        {
          "modality": "text",
          "value": "Only the scammer's promises",
          "short": "Only the scammer's promises"
        }
      ],
      "correctIndex": 2,
      "explanation": "Documentation supports disputes, recovery steps, and later follow-up.",
      "tags": [
        "lesson-10",
        "recover",
        "money-101"
      ],
      "uid": "1ek02p613ss9kq"
    },
    {
      "id": "m101-mcq-recover-5",
      "shape": "mcq",
      "prompt": {
        "modality": "text",
        "value": "Which official site creates a U.S. identity-theft recovery plan?"
      },
      "options": [
        {
          "modality": "text",
          "value": "HealthCare.gov"
        },
        {
          "modality": "text",
          "value": "IdentityTheft.gov"
        },
        {
          "modality": "text",
          "value": "AnnualCreditReport.com"
        },
        {
          "modality": "text",
          "value": "Investor.gov"
        }
      ],
      "correctIndex": 1,
      "explanation": "IdentityTheft.gov is the FTC's recovery-planning service; the other sites serve different purposes.",
      "tags": [
        "lesson-10",
        "recover",
        "money-101"
      ],
      "uid": "1g8q0z2jcvidy"
    },
    {
      "id": "m101-proc-fraud-response",
      "shape": "procedure",
      "goal": "Respond to suspected fraud",
      "steps": [
        "Contact the financial institution through a trusted channel",
        "Lock affected cards and accounts",
        "Change exposed credentials from a clean device",
        "Save messages and transaction records",
        "Review credit reports and place freezes when appropriate",
        "Use IdentityTheft.gov and ReportFraud.ftc.gov for official next steps"
      ],
      "notes": "Urgent action and careful records improve the chance of limiting harm.",
      "tags": [
        "lesson-10",
        "recover",
        "money-101",
        "practice"
      ],
      "illustration": {
        "kind": "photo",
        "imagePrompt": "Editorial photograph of a consumer locking a card, changing credentials, preserving evidence, and contacting official recovery channels, no readable text, no logos.",
        "imageSearchTerm": "person reporting fraud bank phone laptop",
        "alt": "A consumer taking organized steps after suspected fraud",
        "credit": "Unsplash · Joseph Frank · Unsplash License",
        "creditUrl": "https://unsplash.com/photos/man-sitting-near-table-with-laptop-and-smartphone-near-window-XGC_1eH_ZGI",
        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-proc-fraud-response.webp"
      },
      "uid": "zxe1yug4h2m"
    },
    {
      "id": "cz-money-101-m101-def-financial-friction",
      "shape": "cloze",
      "tags": [
        "lesson-1",
        "behavior",
        "money-101"
      ],
      "template": "___ is any obstacle that makes a helpful money action harder or an unhelpful action easier.",
      "answer": "Financial friction",
      "distractors": [
        "Liability",
        "Irregular expense",
        "Pay yourself first"
      ],
      "derivedFrom": "m101-def-financial-friction",
      "explanation": "Compare: Liability — A liability is money or another financial obligation that you owe. Irregular expense — An irregular expense is a predictable cost that does not occur every month.",
      "uid": "1dqliic824w26"
    },
    {
      "id": "cz-money-101-m101-def-liability",
      "shape": "cloze",
      "tags": [
        "lesson-1",
        "snapshot",
        "money-101"
      ],
      "template": "A ___ is money or another financial obligation that you owe.",
      "answer": "Liability",
      "distractors": [
        "Irregular expense",
        "Pay yourself first",
        "Reconciliation"
      ],
      "derivedFrom": "m101-def-liability",
      "explanation": "Compare: Irregular expense — An irregular expense is a predictable cost that does not occur every month. Pay yourself first — Pay yourself first means moving money to savings or a goal before flexible spending occurs.",
      "uid": "1j117uhatvx85"
    },
    {
      "id": "cz-money-101-m101-def-irregular-expense",
      "shape": "cloze",
      "tags": [
        "lesson-2",
        "map",
        "money-101"
      ],
      "template": "An ___ is a predictable cost that does not occur every month.",
      "answer": "Irregular expense",
      "distractors": [
        "Reconciliation",
        "Ownership category",
        "Liquidity"
      ],
      "derivedFrom": "m101-def-irregular-expense",
      "explanation": "Compare: Reconciliation — Reconciliation is comparing your transaction record with the financial institution's record and resolving differences. Ownership category — An ownership category is the legal capacity in which deposit funds are held for federal insurance purposes.",
      "uid": "10clf0u15pew6a"
    },
    {
      "id": "cz-money-101-m101-def-pay-yourself-first",
      "shape": "cloze",
      "tags": [
        "lesson-2",
        "methods",
        "money-101"
      ],
      "template": "___ means moving money to savings or a goal before flexible spending occurs.",
      "answer": "Pay yourself first",
      "distractors": [
        "Ownership category",
        "Liquidity",
        "Compound interest"
      ],
      "derivedFrom": "m101-def-pay-yourself-first",
      "explanation": "Compare: Ownership category — An ownership category is the legal capacity in which deposit funds are held for federal insurance purposes. Liquidity — Liquidity is how quickly an asset can be converted to spendable cash without a significant loss of value.",
      "uid": "c63fey193dokq"
    },
    {
      "id": "cz-money-101-m101-def-reconciliation",
      "shape": "cloze",
      "tags": [
        "lesson-3",
        "everyday",
        "money-101"
      ],
      "template": "___ is comparing your transaction record with the financial institution's record and resolving differences.",
      "answer": "Reconciliation",
      "distractors": [
        "Compound interest",
        "Hard inquiry",
        "Credit utilization"
      ],
      "derivedFrom": "m101-def-reconciliation",
      "explanation": "Compare: Compound interest — Compound interest is interest calculated on principal plus interest previously added to the balance. Hard inquiry — A hard inquiry is a credit-file request generally caused by an application for new credit and may affect a score.",
      "uid": "9i4dp3nvscmr"
    },
    {
      "id": "cz-money-101-m101-def-ownership-category",
      "shape": "cloze",
      "tags": [
        "lesson-3",
        "protection",
        "money-101"
      ],
      "template": "An ___ is the legal capacity in which deposit funds are held for federal insurance purposes.",
      "answer": "Ownership category",
      "distractors": [
        "Hard inquiry",
        "Credit utilization",
        "APR"
      ],
      "derivedFrom": "m101-def-ownership-category",
      "explanation": "Compare: Hard inquiry — A hard inquiry is a credit-file request generally caused by an application for new credit and may affect a score. Credit utilization — Credit utilization is the share of available revolving credit represented by reported balances.",
      "uid": "tjo4rn1pyuz2d"
    },
    {
      "id": "cz-money-101-m101-def-liquidity",
      "shape": "cloze",
      "tags": [
        "lesson-4",
        "emergency",
        "money-101"
      ],
      "template": "___ is how quickly an asset can be converted to spendable cash without a significant loss of value.",
      "answer": "Liquidity",
      "distractors": [
        "APR",
        "Debt consolidation",
        "Net pay"
      ],
      "derivedFrom": "m101-def-liquidity",
      "explanation": "Compare: APR — APR is an annualized measure of borrowing cost used to compare credit products under their applicable disclosure rules. Debt consolidation — Debt consolidation is replacing multiple debts with one new debt, usually to simplify repayment or change terms.",
      "uid": "lw6kpu152avwe"
    },
    {
      "id": "cz-money-101-m101-def-compound-interest",
      "shape": "cloze",
      "tags": [
        "lesson-4",
        "repeatable",
        "money-101"
      ],
      "template": "___ is interest calculated on principal plus interest previously added to the balance.",
      "answer": "Compound interest",
      "distractors": [
        "Debt consolidation",
        "Net pay",
        "Tax credit"
      ],
      "derivedFrom": "m101-def-compound-interest",
      "explanation": "Compare: Debt consolidation — Debt consolidation is replacing multiple debts with one new debt, usually to simplify repayment or change terms. Net pay — Net pay is the amount delivered to a worker after payroll taxes and other deductions are subtracted from gross pay.",
      "uid": "ulkfjv60ag5b"
    },
    {
      "id": "cz-money-101-m101-def-hard-inquiry",
      "shape": "cloze",
      "tags": [
        "lesson-5",
        "reports",
        "money-101"
      ],
      "template": "A ___ is a credit-file request generally caused by an application for new credit and may affect a score.",
      "answer": "Hard inquiry",
      "distractors": [
        "Financial friction",
        "Liability",
        "Irregular expense"
      ],
      "derivedFrom": "m101-def-hard-inquiry",
      "explanation": "Compare: Financial friction — Financial friction is any obstacle that makes a helpful money action harder or an unhelpful action easier. Liability — A liability is money or another financial obligation that you owe.",
      "uid": "1iu1wp81jenm9o"
    },
    {
      "id": "cz-money-101-m101-def-credit-utilization",
      "shape": "cloze",
      "tags": [
        "lesson-5",
        "cards",
        "money-101"
      ],
      "template": "___ is the share of available revolving credit represented by reported balances.",
      "answer": "Credit utilization",
      "distractors": [
        "Liability",
        "Irregular expense",
        "Pay yourself first"
      ],
      "derivedFrom": "m101-def-credit-utilization",
      "explanation": "Compare: Liability — A liability is money or another financial obligation that you owe. Irregular expense — An irregular expense is a predictable cost that does not occur every month.",
      "uid": "12bgk09ik3yjv"
    },
    {
      "id": "cz-money-101-m101-def-apr",
      "shape": "cloze",
      "tags": [
        "lesson-6",
        "loans",
        "money-101"
      ],
      "template": "___ is an annualized measure of borrowing cost used to compare credit products under their applicable disclosure rules.",
      "answer": "APR",
      "distractors": [
        "Pay yourself first",
        "Reconciliation",
        "Ownership category"
      ],
      "derivedFrom": "m101-def-apr",
      "explanation": "Compare: Pay yourself first — Pay yourself first means moving money to savings or a goal before flexible spending occurs. Reconciliation — Reconciliation is comparing your transaction record with the financial institution's record and resolving differences.",
      "uid": "14j7wich4u0g4"
    },
    {
      "id": "cz-money-101-m101-def-debt-consolidation",
      "shape": "cloze",
      "tags": [
        "lesson-6",
        "payoff",
        "money-101"
      ],
      "template": "___ is replacing multiple debts with one new debt, usually to simplify repayment or change terms.",
      "answer": "Debt consolidation",
      "distractors": [
        "Reconciliation",
        "Ownership category",
        "Liquidity"
      ],
      "derivedFrom": "m101-def-debt-consolidation",
      "explanation": "Compare: Reconciliation — Reconciliation is comparing your transaction record with the financial institution's record and resolving differences. Ownership category — An ownership category is the legal capacity in which deposit funds are held for federal insurance purposes.",
      "uid": "1ee8b9c1c2fnea"
    },
    {
      "id": "cz-money-101-m101-def-net-pay",
      "shape": "cloze",
      "tags": [
        "lesson-7",
        "pay",
        "money-101"
      ],
      "template": "___ is the amount delivered to a worker after payroll taxes and other deductions are subtracted from gross pay.",
      "answer": "Net pay",
      "distractors": [
        "Liquidity",
        "Compound interest",
        "Hard inquiry"
      ],
      "derivedFrom": "m101-def-net-pay",
      "explanation": "Compare: Liquidity — Liquidity is how quickly an asset can be converted to spendable cash without a significant loss of value. Compound interest — Compound interest is interest calculated on principal plus interest previously added to the balance.",
      "uid": "cx8xjmfdkdd"
    },
    {
      "id": "cz-money-101-m101-def-tax-credit",
      "shape": "cloze",
      "tags": [
        "lesson-7",
        "tax",
        "money-101"
      ],
      "template": "A ___ is an amount that reduces calculated tax and may be refundable under the credit's rules.",
      "answer": "Tax credit",
      "distractors": [
        "Compound interest",
        "Hard inquiry",
        "Credit utilization"
      ],
      "derivedFrom": "m101-def-tax-credit",
      "explanation": "Compare: Compound interest — Compound interest is interest calculated on principal plus interest previously added to the balance. Hard inquiry — A hard inquiry is a credit-file request generally caused by an application for new credit and may affect a score.",
      "uid": "10a5in41ai04ao"
    },
    {
      "id": "cz-money-101-m101-def-deductible",
      "shape": "cloze",
      "tags": [
        "lesson-8",
        "coverage",
        "money-101"
      ],
      "template": "A ___ is an amount the insured pays for covered loss or care before or alongside insurer payment under the policy rules.",
      "answer": "Deductible",
      "distractors": [
        "Credit utilization",
        "APR",
        "Debt consolidation"
      ],
      "derivedFrom": "m101-def-deductible",
      "explanation": "Compare: Credit utilization — Credit utilization is the share of available revolving credit represented by reported balances. APR — APR is an annualized measure of borrowing cost used to compare credit products under their applicable disclosure rules.",
      "uid": "120dnp81bgq34c"
    },
    {
      "id": "cz-money-101-m101-def-disability-insurance",
      "shape": "cloze",
      "tags": [
        "lesson-8",
        "policies",
        "money-101"
      ],
      "template": "___ replaces part of covered income when illness or injury prevents a person from working under the policy definition.",
      "answer": "Disability insurance",
      "distractors": [
        "APR",
        "Debt consolidation",
        "Net pay"
      ],
      "derivedFrom": "m101-def-disability-insurance",
      "explanation": "Compare: APR — APR is an annualized measure of borrowing cost used to compare credit products under their applicable disclosure rules. Debt consolidation — Debt consolidation is replacing multiple debts with one new debt, usually to simplify repayment or change terms.",
      "uid": "1f3j3bf165joy5"
    },
    {
      "id": "cz-money-101-m101-def-vesting",
      "shape": "cloze",
      "tags": [
        "lesson-9",
        "workplace",
        "money-101"
      ],
      "template": "___ is the process by which a worker gains nonforfeitable ownership of employer contributions under a plan's schedule.",
      "answer": "Vesting",
      "distractors": [
        "Financial friction",
        "Liability",
        "Irregular expense"
      ],
      "derivedFrom": "m101-def-vesting",
      "explanation": "Compare: Financial friction — Financial friction is any obstacle that makes a helpful money action harder or an unhelpful action easier. Liability — A liability is money or another financial obligation that you owe.",
      "uid": "1pmj18tlc5e1l"
    },
    {
      "id": "cz-money-101-m101-def-diversification",
      "shape": "cloze",
      "tags": [
        "lesson-9",
        "routine",
        "money-101"
      ],
      "template": "___ is spreading investments across holdings or asset classes to reduce dependence on any single exposure.",
      "answer": "Diversification",
      "distractors": [
        "Liability",
        "Irregular expense",
        "Pay yourself first"
      ],
      "derivedFrom": "m101-def-diversification",
      "explanation": "Compare: Liability — A liability is money or another financial obligation that you owe. Irregular expense — An irregular expense is a predictable cost that does not occur every month.",
      "uid": "1vg38a51vlvr3x"
    },
    {
      "id": "cz-money-101-m101-def-phishing",
      "shape": "cloze",
      "tags": [
        "lesson-10",
        "verify",
        "money-101"
      ],
      "template": "___ is a deceptive message or site designed to steal information, credentials, or money by impersonating a trusted source.",
      "answer": "Phishing",
      "distractors": [
        "Pay yourself first",
        "Reconciliation",
        "Ownership category"
      ],
      "derivedFrom": "m101-def-phishing",
      "explanation": "Compare: Pay yourself first — Pay yourself first means moving money to savings or a goal before flexible spending occurs. Reconciliation — Reconciliation is comparing your transaction record with the financial institution's record and resolving differences.",
      "uid": "u51cjm3wl5fa"
    },
    {
      "id": "cz-money-101-m101-def-credit-freeze",
      "shape": "cloze",
      "tags": [
        "lesson-10",
        "recover",
        "money-101"
      ],
      "template": "A ___ is a free restriction that blocks prospective creditors from accessing a consumer's credit file until the consumer lifts it.",
      "answer": "Credit freeze",
      "distractors": [
        "Reconciliation",
        "Ownership category",
        "Liquidity"
      ],
      "derivedFrom": "m101-def-credit-freeze",
      "explanation": "Compare: Reconciliation — Reconciliation is comparing your transaction record with the financial institution's record and resolving differences. Ownership category — An ownership category is the legal capacity in which deposit funds are held for federal insurance purposes.",
      "uid": "6uko96nchop"
    },
    {
      "id": "cz-money-101-m101-fact-current-standard-deduction",
      "shape": "cloze",
      "tags": [
        "lesson-7",
        "tax",
        "money-101"
      ],
      "template": "For tax year ___, the IRS lists $16,100 for single filers and married people filing separately, and $32,200 for married couples filing jointly. Recheck dated tax figures before use.",
      "answer": "2026",
      "distractors": [
        "2019",
        "2035",
        "2002"
      ],
      "derivedFrom": "m101-fact-current-standard-deduction",
      "uid": "18s1ze1i21g64"
    },
    {
      "id": "mcq-c-money-101-m101-fact-current-standard-deduction",
      "shape": "mcq",
      "tags": [
        "lesson-7",
        "tax",
        "money-101"
      ],
      "prompt": {
        "modality": "text",
        "value": "For tax year ___, the IRS lists $16,100 for single filers and married people filing separately, and $32,200 for married couples filing jointly. Recheck dated tax figures before use."
      },
      "options": [
        {
          "modality": "text",
          "value": "2035"
        },
        {
          "modality": "text",
          "value": "2002"
        },
        {
          "modality": "text",
          "value": "2019"
        },
        {
          "modality": "text",
          "value": "2026"
        }
      ],
      "correctIndex": 3,
      "derivedFrom": "m101-fact-current-standard-deduction",
      "explanation": "These are the tax-year-2026 IRS standard deduction figures; dated tax figures like this should be rechecked each year before use.",
      "uid": "y0b2ez2scvph"
    },
    {
      "id": "tf-f-money-101-m101-pair-values-based-spending",
      "shape": "trueFalse",
      "tags": [
        "lesson-1",
        "behavior",
        "money-101"
      ],
      "statement": "\"Values-based spending\" refers to \"Something you own that has financial value\".",
      "isTrue": false,
      "why": "Values-based spending actually refers to Directing money toward priorities you have deliberately chosen.",
      "derivedFrom": "m101-pair-values-based-spending",
      "uid": "1g0w3nd1rfapxz"
    },
    {
      "id": "tf-t-money-101-m101-pair-asset",
      "shape": "trueFalse",
      "tags": [
        "lesson-1",
        "snapshot",
        "money-101"
      ],
      "statement": "\"Asset\" refers to \"Something you own that has financial value\".",
      "isTrue": true,
      "why": "Asset refers to Something you own that has financial value.",
      "derivedFrom": "m101-pair-asset",
      "uid": "13i7epi15doehk"
    },
    {
      "id": "tf-t-money-101-m101-pair-gross-income",
      "shape": "trueFalse",
      "tags": [
        "lesson-2",
        "map",
        "money-101"
      ],
      "statement": "\"Gross income\" refers to \"Income before taxes and other deductions\".",
      "isTrue": true,
      "why": "Gross income refers to Income before taxes and other deductions.",
      "derivedFrom": "m101-pair-gross-income",
      "uid": "u7c5mvwhwgil"
    },
    {
      "id": "tf-t-money-101-m101-pair-zero-based-budget",
      "shape": "trueFalse",
      "tags": [
        "lesson-2",
        "methods",
        "money-101"
      ],
      "statement": "\"Zero-based budget\" refers to \"A plan that gives every available dollar a specific job\".",
      "isTrue": true,
      "why": "Zero-based budget refers to A plan that gives every available dollar a specific job.",
      "derivedFrom": "m101-pair-zero-based-budget",
      "uid": "3yzzoob3vcvk"
    },
    {
      "id": "tf-t-money-101-m101-pair-apy",
      "shape": "trueFalse",
      "tags": [
        "lesson-3",
        "everyday",
        "money-101"
      ],
      "statement": "\"APY\" refers to \"Annual percentage yield, which includes compounding when expressing deposit growth\".",
      "isTrue": true,
      "why": "APY refers to Annual percentage yield, which includes compounding when expressing deposit growth.",
      "derivedFrom": "m101-pair-apy",
      "uid": "jdz0x21yj4r7w"
    },
    {
      "id": "tf-f-money-101-m101-pair-sinking-fund",
      "shape": "trueFalse",
      "tags": [
        "lesson-4",
        "emergency",
        "money-101"
      ],
      "statement": "\"Sinking fund\" refers to \"A rough doubling-time estimate found by dividing 72 by an annual percentage rate\".",
      "isTrue": false,
      "why": "Sinking fund actually refers to Savings reserved for a known but nonmonthly future expense.",
      "derivedFrom": "m101-pair-sinking-fund",
      "uid": "g59d2c1gjo8ya"
    },
    {
      "id": "tf-t-money-101-m101-pair-rule-of-72",
      "shape": "trueFalse",
      "tags": [
        "lesson-4",
        "repeatable",
        "money-101"
      ],
      "statement": "\"Rule of 72\" refers to \"A rough doubling-time estimate found by dividing 72 by an annual percentage rate\".",
      "isTrue": true,
      "why": "Rule of 72 refers to A rough doubling-time estimate found by dividing 72 by an annual percentage rate.",
      "derivedFrom": "m101-pair-rule-of-72",
      "uid": "fijrs91s6e5tr"
    },
    {
      "id": "tf-t-money-101-m101-pair-credit-report",
      "shape": "trueFalse",
      "tags": [
        "lesson-5",
        "reports",
        "money-101"
      ],
      "statement": "\"Credit report\" refers to \"A bureau's record of credit accounts, history, balances, and related information\".",
      "isTrue": true,
      "why": "Credit report refers to A bureau's record of credit accounts, history, balances, and related information.",
      "derivedFrom": "m101-pair-credit-report",
      "uid": "1x7w31g1gpa90q"
    },
    {
      "id": "tf-t-money-101-m101-pair-statement-balance",
      "shape": "trueFalse",
      "tags": [
        "lesson-5",
        "cards",
        "money-101"
      ],
      "statement": "\"Statement balance\" refers to \"The amount owed when a billing cycle closes\".",
      "isTrue": true,
      "why": "Statement balance refers to The amount owed when a billing cycle closes.",
      "derivedFrom": "m101-pair-statement-balance",
      "uid": "1f85spm19lgwwy"
    },
    {
      "id": "tf-t-money-101-m101-pair-principal",
      "shape": "trueFalse",
      "tags": [
        "lesson-6",
        "loans",
        "money-101"
      ],
      "statement": "\"Principal\" refers to \"The amount originally borrowed and still subject to repayment\".",
      "isTrue": true,
      "why": "Principal refers to The amount originally borrowed and still subject to repayment.",
      "derivedFrom": "m101-pair-principal",
      "uid": "i19xg41w3zf5o"
    },
    {
      "id": "tf-f-money-101-m101-pair-debt-avalanche",
      "shape": "trueFalse",
      "tags": [
        "lesson-6",
        "payoff",
        "money-101"
      ],
      "statement": "\"Debt avalanche\" refers to \"The amount originally borrowed and still subject to repayment\".",
      "isTrue": false,
      "why": "Debt avalanche actually refers to Extra payments target the highest APR first after all minimums.",
      "derivedFrom": "m101-pair-debt-avalanche",
      "uid": "g8yas118324on"
    },
    {
      "id": "tf-f-money-101-m101-pair-w2",
      "shape": "trueFalse",
      "tags": [
        "lesson-7",
        "pay",
        "money-101"
      ],
      "statement": "Form W-2 is \"The rate applied to the next dollar of taxable income within the current bracket\".",
      "isTrue": false,
      "why": "Form W-2 actually is An employee wage statement showing compensation and withholding reported by an employer.",
      "derivedFrom": "m101-pair-w2",
      "uid": "9jgf1cfdm2og"
    },
    {
      "id": "tf-t-money-101-m101-pair-marginal-rate",
      "shape": "trueFalse",
      "tags": [
        "lesson-7",
        "tax",
        "money-101"
      ],
      "statement": "\"Marginal tax rate\" refers to \"The rate applied to the next dollar of taxable income within the current bracket\".",
      "isTrue": true,
      "why": "Marginal tax rate refers to The rate applied to the next dollar of taxable income within the current bracket.",
      "derivedFrom": "m101-pair-marginal-rate",
      "uid": "1mdhkshrb9085"
    },
    {
      "id": "tf-f-money-101-m101-pair-premium",
      "shape": "trueFalse",
      "tags": [
        "lesson-8",
        "coverage",
        "money-101"
      ],
      "statement": "\"Premium\" refers to \"Death-benefit coverage for a stated period, generally without cash value\".",
      "isTrue": false,
      "why": "Premium actually refers to The amount paid to keep insurance coverage in force.",
      "derivedFrom": "m101-pair-premium",
      "uid": "1xbcys91q9dh2b"
    },
    {
      "id": "tf-f-money-101-m101-pair-term-life",
      "shape": "trueFalse",
      "tags": [
        "lesson-8",
        "policies",
        "money-101"
      ],
      "statement": "\"Term life insurance\" refers to \"An employee wage statement showing compensation and withholding reported by an employer\".",
      "isTrue": false,
      "why": "Term life insurance actually refers to Death-benefit coverage for a stated period, generally without cash value.",
      "derivedFrom": "m101-pair-term-life",
      "uid": "6yyd9c1ohetam"
    },
    {
      "id": "tf-t-money-101-m101-pair-target-date-fund",
      "shape": "trueFalse",
      "tags": [
        "lesson-9",
        "routine",
        "money-101"
      ],
      "statement": "\"Target-date fund\" refers to \"A diversified fund that generally shifts its asset mix as a stated retirement year approaches\".",
      "isTrue": true,
      "why": "Target-date fund refers to A diversified fund that generally shifts its asset mix as a stated retirement year approaches.",
      "derivedFrom": "m101-pair-target-date-fund",
      "uid": "uj47xi1yb35e8"
    },
    {
      "id": "tf-t-money-101-m101-pair-imposter-scam",
      "shape": "trueFalse",
      "tags": [
        "lesson-10",
        "verify",
        "money-101"
      ],
      "statement": "\"Imposter scam\" refers to \"Fraud in which someone pretends to be a trusted person, business, or government agency\".",
      "isTrue": true,
      "why": "Imposter scam refers to Fraud in which someone pretends to be a trusted person, business, or government agency.",
      "derivedFrom": "m101-pair-imposter-scam",
      "uid": "do2omy5a5nio"
    },
    {
      "id": "tf-f-money-101-m101-pair-multifactor-authentication",
      "shape": "trueFalse",
      "tags": [
        "lesson-10",
        "recover",
        "money-101"
      ],
      "statement": "\"Multifactor authentication\" refers to \"Fraud in which someone pretends to be a trusted person, business, or government agency\".",
      "isTrue": false,
      "why": "Multifactor authentication actually refers to A login safeguard requiring more than one type of proof.",
      "derivedFrom": "m101-pair-multifactor-authentication",
      "uid": "14uc81wkhp0mq"
    },
    {
      "id": "tf-df-money-101-m101-def-financial-friction",
      "shape": "trueFalse",
      "tags": [
        "lesson-1",
        "behavior",
        "money-101"
      ],
      "statement": "Liability: Any obstacle that makes a helpful money action harder or an unhelpful action easier.",
      "isTrue": false,
      "why": "That's the definition of \"Financial friction\", not \"Liability\".",
      "derivedFrom": "m101-def-financial-friction",
      "uid": "f6je8s15vq7o4"
    },
    {
      "id": "tf-d-money-101-m101-def-liability",
      "shape": "trueFalse",
      "tags": [
        "lesson-1",
        "snapshot",
        "money-101"
      ],
      "statement": "Liability: Money or another financial obligation that you owe.",
      "isTrue": true,
      "why": "That definition is correct for \"Liability\".",
      "derivedFrom": "m101-def-liability",
      "uid": "9av8sfq29dtp"
    },
    {
      "id": "tf-df-money-101-m101-def-irregular-expense",
      "shape": "trueFalse",
      "tags": [
        "lesson-2",
        "map",
        "money-101"
      ],
      "statement": "Pay yourself first: A predictable cost that does not occur every month.",
      "isTrue": false,
      "why": "That's the definition of \"Irregular expense\", not \"Pay yourself first\".",
      "derivedFrom": "m101-def-irregular-expense",
      "uid": "gxu8o5i50y73"
    },
    {
      "id": "tf-d-money-101-m101-def-pay-yourself-first",
      "shape": "trueFalse",
      "tags": [
        "lesson-2",
        "methods",
        "money-101"
      ],
      "statement": "Pay yourself first: Moving money to savings or a goal before flexible spending occurs.",
      "isTrue": true,
      "why": "That definition is correct for \"Pay yourself first\".",
      "derivedFrom": "m101-def-pay-yourself-first",
      "uid": "61csi7lg0l2l"
    },
    {
      "id": "tf-d-money-101-m101-def-reconciliation",
      "shape": "trueFalse",
      "tags": [
        "lesson-3",
        "everyday",
        "money-101"
      ],
      "statement": "Reconciliation: Comparing your transaction record with the financial institution's record and resolving differences.",
      "isTrue": true,
      "why": "That definition is correct for \"Reconciliation\".",
      "derivedFrom": "m101-def-reconciliation",
      "uid": "rh2o6afkt5q6"
    },
    {
      "id": "tf-df-money-101-m101-def-ownership-category",
      "shape": "trueFalse",
      "tags": [
        "lesson-3",
        "protection",
        "money-101"
      ],
      "statement": "Reconciliation: The legal capacity in which deposit funds are held for federal insurance purposes.",
      "isTrue": false,
      "why": "That's the definition of \"Ownership category\", not \"Reconciliation\".",
      "derivedFrom": "m101-def-ownership-category",
      "uid": "1m3me6w1tz6nky"
    },
    {
      "id": "tf-df-money-101-m101-def-liquidity",
      "shape": "trueFalse",
      "tags": [
        "lesson-4",
        "emergency",
        "money-101"
      ],
      "statement": "Compound interest: How quickly an asset can be converted to spendable cash without a significant loss of value.",
      "isTrue": false,
      "why": "That's the definition of \"Liquidity\", not \"Compound interest\".",
      "derivedFrom": "m101-def-liquidity",
      "uid": "1rye1m1183quyz"
    },
    {
      "id": "tf-df-money-101-m101-def-compound-interest",
      "shape": "trueFalse",
      "tags": [
        "lesson-4",
        "repeatable",
        "money-101"
      ],
      "statement": "Liquidity: Interest calculated on principal plus interest previously added to the balance.",
      "isTrue": false,
      "why": "That's the definition of \"Compound interest\", not \"Liquidity\".",
      "derivedFrom": "m101-def-compound-interest",
      "uid": "eoa0i21bj7g50"
    },
    {
      "id": "tf-d-money-101-m101-def-hard-inquiry",
      "shape": "trueFalse",
      "tags": [
        "lesson-5",
        "reports",
        "money-101"
      ],
      "statement": "Hard inquiry: A credit-file request generally caused by an application for new credit and may affect a score.",
      "isTrue": true,
      "why": "That definition is correct for \"Hard inquiry\".",
      "derivedFrom": "m101-def-hard-inquiry",
      "uid": "1mybcoi1cvkcf0"
    },
    {
      "id": "tf-df-money-101-m101-def-credit-utilization",
      "shape": "trueFalse",
      "tags": [
        "lesson-5",
        "cards",
        "money-101"
      ],
      "statement": "Hard inquiry: The share of available revolving credit represented by reported balances.",
      "isTrue": false,
      "why": "That's the definition of \"Credit utilization\", not \"Hard inquiry\".",
      "derivedFrom": "m101-def-credit-utilization",
      "uid": "1svysb416d3p24"
    },
    {
      "id": "tf-d-money-101-m101-def-apr",
      "shape": "trueFalse",
      "tags": [
        "lesson-6",
        "loans",
        "money-101"
      ],
      "statement": "APR: An annualized measure of borrowing cost used to compare credit products under their applicable disclosure rules.",
      "isTrue": true,
      "why": "That definition is correct for \"APR\".",
      "derivedFrom": "m101-def-apr",
      "uid": "xmxfv1p2742j"
    },
    {
      "id": "tf-df-money-101-m101-def-debt-consolidation",
      "shape": "trueFalse",
      "tags": [
        "lesson-6",
        "payoff",
        "money-101"
      ],
      "statement": "APR: Replacing multiple debts with one new debt, usually to simplify repayment or change terms.",
      "isTrue": false,
      "why": "That's the definition of \"Debt consolidation\", not \"APR\".",
      "derivedFrom": "m101-def-debt-consolidation",
      "uid": "1vxyhmk1h71drc"
    },
    {
      "id": "tf-df-money-101-m101-def-net-pay",
      "shape": "trueFalse",
      "tags": [
        "lesson-7",
        "pay",
        "money-101"
      ],
      "statement": "Tax credit: The amount delivered to a worker after payroll taxes and other deductions are subtracted from gross pay.",
      "isTrue": false,
      "why": "That's the definition of \"Net pay\", not \"Tax credit\".",
      "derivedFrom": "m101-def-net-pay",
      "uid": "1uwo9121rro3hw"
    },
    {
      "id": "tf-d-money-101-m101-def-tax-credit",
      "shape": "trueFalse",
      "tags": [
        "lesson-7",
        "tax",
        "money-101"
      ],
      "statement": "Tax credit: An amount that reduces calculated tax and may be refundable under the credit's rules.",
      "isTrue": true,
      "why": "That definition is correct for \"Tax credit\".",
      "derivedFrom": "m101-def-tax-credit",
      "uid": "865vuyl4y0rk"
    },
    {
      "id": "tf-d-money-101-m101-def-deductible",
      "shape": "trueFalse",
      "tags": [
        "lesson-8",
        "coverage",
        "money-101"
      ],
      "statement": "Deductible: An amount the insured pays for covered loss or care before or alongside insurer payment under the policy rules.",
      "isTrue": true,
      "why": "That definition is correct for \"Deductible\".",
      "derivedFrom": "m101-def-deductible",
      "uid": "ph5t2y1a0avk0"
    },
    {
      "id": "tf-d-money-101-m101-def-disability-insurance",
      "shape": "trueFalse",
      "tags": [
        "lesson-8",
        "policies",
        "money-101"
      ],
      "statement": "Disability insurance: Replaces part of covered income when illness or injury prevents a person from working under the policy definition.",
      "isTrue": true,
      "why": "That definition is correct for \"Disability insurance\".",
      "derivedFrom": "m101-def-disability-insurance",
      "uid": "t41seq116flhm"
    },
    {
      "id": "tf-df-money-101-m101-def-vesting",
      "shape": "trueFalse",
      "tags": [
        "lesson-9",
        "workplace",
        "money-101"
      ],
      "statement": "Diversification: The process by which a worker gains nonforfeitable ownership of employer contributions under a plan's schedule.",
      "isTrue": false,
      "why": "That's the definition of \"Vesting\", not \"Diversification\".",
      "derivedFrom": "m101-def-vesting",
      "uid": "10y86ru1nph51c"
    },
    {
      "id": "tf-d-money-101-m101-def-diversification",
      "shape": "trueFalse",
      "tags": [
        "lesson-9",
        "routine",
        "money-101"
      ],
      "statement": "Diversification: Spreading investments across holdings or asset classes to reduce dependence on any single exposure.",
      "isTrue": true,
      "why": "That definition is correct for \"Diversification\".",
      "derivedFrom": "m101-def-diversification",
      "uid": "1r0lots16evie0"
    },
    {
      "id": "tf-df-money-101-m101-def-phishing",
      "shape": "trueFalse",
      "tags": [
        "lesson-10",
        "verify",
        "money-101"
      ],
      "statement": "Credit freeze: A deceptive message or site designed to steal information, credentials, or money by impersonating a trusted source.",
      "isTrue": false,
      "why": "That's the definition of \"Phishing\", not \"Credit freeze\".",
      "derivedFrom": "m101-def-phishing",
      "uid": "1gr6yk213ogrno"
    },
    {
      "id": "tf-d-money-101-m101-def-credit-freeze",
      "shape": "trueFalse",
      "tags": [
        "lesson-10",
        "recover",
        "money-101"
      ],
      "statement": "Credit freeze: A free restriction that blocks prospective creditors from accessing a consumer's credit file until the consumer lifts it.",
      "isTrue": true,
      "why": "That definition is correct for \"Credit freeze\".",
      "derivedFrom": "m101-def-credit-freeze",
      "uid": "42gcv91oquktz"
    },
    {
      "id": "fi-m101-mcq-values-1",
      "tags": [
        "lesson-1",
        "behavior",
        "money-101"
      ],
      "title": "What Money Should Protect",
      "body": "A values-based money plan starts with one question: what do you want your money to protect or make possible? Clarifying that purpose comes before choosing specific products or tactics.",
      "shape": "fact",
      "illustration": {
        "imageSearchTerm": "Money Should Protect",
        "imagePrompt": "What Money Should Protect. A values-based money plan starts with one question: what do you want your money to protect or make possible? Clarifying that purpose comes before choosing specific products or tact",
        "alt": "What Money Should Protect",
        "credit": "Pexels · Monstera Production",
        "creditUrl": "https://www.pexels.com/photo/cutout-paper-composition-of-human-and-money-under-dome-5849554/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/fi-m101-mcq-values-1.webp"
      },
      "uid": "1n1duru158gbbc"
    },
    {
      "id": "fi-m101-mcq-values-4",
      "tags": [
        "lesson-1",
        "behavior",
        "money-101"
      ],
      "title": "Cash Reserves Buy Options",
      "body": "Cash reserves can create freedom because they preserve options when an unexpected need appears — liquid savings buy time and choices during a shock, though they can't eliminate risk entirely.",
      "shape": "fact",
      "illustration": {
        "imageSearchTerm": "emergency savings cash jar",
        "imagePrompt": "A glass jar filled with cash savings sitting on a kitchen counter, representing a reserve set aside for unexpected needs.",
        "alt": "Cash Reserves Buy Options",
        "depictable": true,
        "credit": "Pexels · https://kaboompics.com/",
        "creditUrl": "https://www.pexels.com/photo/close-up-shot-of-a-person-saving-money-in-the-glass-jar-7680483/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/fi-m101-mcq-values-4.webp"
      },
      "uid": "errnnu6cjxwi"
    },
    {
      "id": "fi-m101-mcq-values-5",
      "tags": [
        "lesson-1",
        "behavior",
        "money-101"
      ],
      "title": "Plans That Bend, Not Break",
      "body": "The money plans most likely to last are realistic about actual behavior, include useful defaults, and leave room to adjust as things change.",
      "shape": "fact",
      "illustration": {
        "imageSearchTerm": "Plans That Bend Not Break",
        "imagePrompt": "Plans That Bend, Not Break. The money plans most likely to last are realistic about actual behavior, include useful defaults, and leave room to adjust as things change.",
        "alt": "Plans That Bend, Not Break",
        "credit": "Pexels · Stan Versluis",
        "creditUrl": "https://www.pexels.com/photo/aerial-view-of-winding-road-through-forest-33991308/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/fi-m101-mcq-values-5.webp"
      },
      "uid": "1b9rzikfkjkso"
    },
    {
      "id": "fi-m101-mcq-snapshot-2",
      "tags": [
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      "title": "What Belongs In Cash Flow",
      "body": "A cash-flow view tracks money received and spent during a period, like take-home pay for the month — balance-sheet amounts belong to a different kind of snapshot entirely.",
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      "id": "fi-m101-mcq-snapshot-3",
      "tags": [
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      "title": "Negative Net Worth Isn't Permanent",
      "body": "Negative net worth is just a starting measurement, not a permanent identity or a verdict on cash flow — it's a point-in-time number that can improve as circumstances change.",
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      "tags": [
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      "title": "Loan Balances Are Liabilities",
      "body": "An unpaid student-loan balance is a liability — an amount owed — which is why it's counted against assets rather than with them when figuring net worth.",
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      "title": "Start Budgeting With Take-Home Pay",
      "body": "A household spending plan usually starts from take-home income — the amount left after payroll taxes and deductions — since that's what's actually available to allocate.",
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      "title": "Irregular Doesn't Mean Unpredictable",
      "body": "An annual bill like car registration counts as a predictable irregular expense: it doesn't hit every month, but its date and approximate amount can still be anticipated and planned for.",
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        "imagePrompt": "A car registration renewal notice resting on a car dashboard, representing a predictable expense that comes due once a year.",
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      "title": "What Makes An Expense Variable",
      "body": "A grocery total that changes week to week is a classic variable expense — the kind that shifts with use, price, or choice instead of holding steady month after month.",
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      "title": "Automate What You Forget",
      "body": "When someone already knows how much to save but keeps forgetting to do it, an automatic transfer set for right after payday turns that knowledge into action without relying on memory.",
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      "title": "A Baseline For Uneven Income",
      "body": "For highly irregular income, a conservative baseline budget protects essentials, while a separate rule for surplus months decides deliberately how to allocate the better-earning periods.",
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      "title": "The Miscellaneous Category's Job",
      "body": "A small miscellaneous category in a budget absorbs normal variation so minor overspending doesn't blow up the whole plan, while still keeping the rest of the plan accountable.",
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        "imagePrompt": "A row of small cash envelopes for different budget categories, with one smaller envelope set aside to absorb extra spending.",
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      "id": "fi-m101-mcq-accounts-3",
      "tags": [
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      "title": "Pending Charges Hide In Balances",
      "body": "The balance shown on an account may not be safe to spend in full — pending transactions and holds can still be working their way through and aren't always reflected yet.",
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        "imagePrompt": "A person checking their bank account balance on a smartphone while a recent purchase receipt sits on the table beside them.",
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      "title": "Alerts Can Head Off Overdrafts",
      "body": "Setting a low-balance alert and understanding an account's opt-in overdraft choices can help catch a shortfall before a transaction goes through and overdraws the account.",
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      "title": "APY Measures Annual Growth",
      "body": "APY is built to compare the annualized growth on deposit accounts, folding compounding into a single yearly figure so different savings products can be lined up side by side.",
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      "title": "Savings Accounts Count As Deposits",
      "body": "Money sitting in a savings account is a deposit product, which means it's the kind of holding that qualifies for federal deposit insurance at an insured bank.",
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      "title": "Check The Official Lookup Tool",
      "body": "The safest way to confirm a bank or credit union is federally insured is the official FDIC or NCUA lookup tool, rather than relying on branding alone.",
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      "title": "Two Accounts Don't Double Coverage",
      "body": "Two checking accounts held by the same person at the same insured bank are generally combined within the same ownership category for coverage purposes, not insured separately.",
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      "title": "Sinking Funds For Yearly Bills",
      "body": "A cost like an annual car-registration bill is a good candidate for a sinking fund — it comes due every year, not monthly, but that makes it predictable enough to save toward in advance.",
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      "title": "Why Emergency Cash Stays Liquid",
      "body": "Emergency savings are usually kept liquid because the money may be needed quickly, and liquidity prioritizes safe, fast access over squeezing out maximum growth.",
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      "title": "Separate Accounts, Fewer Accidents",
      "body": "Keeping emergency savings in a separate account from everyday checking creates a mental and operational boundary that can reduce accidental spending while still leaving the money reachable when it's actually needed.",
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      "title": "The Rule Of 72",
      "body": "The Rule of 72 is a quick way to estimate doubling time: divide 72 by the annual growth rate. At 6% annual growth, that's about 12 years (72 divided by 6).",
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      "title": "An Estimate, Not A Guarantee",
      "body": "The Rule of 72 is only an estimate of doubling time — actual returns, taxes, fees, and rates can all change, so it's not a forecast or a guarantee.",
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        "creditUrl": "https://en.wikipedia.org/wiki/Real_interest_rate",
        "subject": "A Federal Reserve/Bloomberg-sourced line chart titled 'Inflation-Indexed Government Bond Yield' plotting real (inflation-adjusted) 10-year interest rates for Canada, Germany, the UK, Japan and the US from 2000-2013, with all lines drifting unevenly from roughly 4% down toward zero or negative — a ge",
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      "title": "Near-Term Money Stays In Cash",
      "body": "Money that might be needed for a near-term emergency generally belongs in a safe, accessible cash account, where short time horizons favor safety and access over chasing uncertain returns.",
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      "title": "A Score Reads the Report",
      "body": "A credit report is a record of the data lenders and bureaus have on file. A credit score is a separate number produced by running that report data through a scoring model.",
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      "title": "When the Report Is Wrong",
      "body": "A late payment reported for a month that was actually paid on time is a reporting error, not real payment behavior. Like other inaccuracies, it can be documented and disputed for correction.",
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      "title": "Same Person, Different Scores",
      "body": "Two accurate credit scores for the same person can differ because they may draw on different bureau data, be calculated on different dates, or use different versions of a scoring model.",
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        "imageSearchTerm": "multiple credit score reports",
        "imagePrompt": "Several different printed credit reports for the same person spread out across a table, each showing a different number.",
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      "title": "The Catch in Grace Periods",
      "body": "A card's grace period generally keeps new purchases interest-free only when the statement balance is paid in full by the due date; grace-period terms depend on paying in full and on time.",
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        "imageSearchTerm": "credit card billing statement",
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      "id": "fi-m101-mcq-cards-3",
      "tags": [
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      ],
      "title": "Autopay Still Needs Watching",
      "body": "Automatic payments cut the risk of an accidental late fee, but autopay still depends on monitoring and having enough cash in the checking account — payment alerts help cover that gap.",
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      "id": "fi-m101-mcq-cards-4",
      "tags": [
        "lesson-5",
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      ],
      "title": "Credit Limits Aren't Budgets",
      "body": "A credit limit reflects how much a lender approved, not a household's repayment plan — what's actually affordable depends on cash flow and financial goals, not the maximum balance available.",
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    {
      "id": "fi-m101-mcq-loans-1",
      "tags": [
        "lesson-6",
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      ],
      "title": "More Than One Number",
      "body": "A loan's monthly payment is only one number — APR, loan term, fees, and the amount financed all shape the total cost and affordability over the life of the loan.",
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      "id": "fi-m101-mcq-loans-4",
      "tags": [
        "lesson-6",
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      "title": "What Payment-Focused Selling Hides",
      "body": "A loan's full economic burden shows up in one question: how much will this cost in total if the contract is followed exactly? That figure exposes costs that payment-focused selling can leave hidden.",
      "shape": "fact",
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        "imageSearchTerm": "car dealership contract customer",
        "imagePrompt": "A salesperson at a dealership desk gesturing toward a contract while a customer looks over the paperwork carefully.",
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      "id": "fi-m101-mcq-loans-5",
      "tags": [
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      "title": "A Rate That Can Move",
      "body": "With a variable-rate loan, the interest rate and the required payment can both change over time — a shift that creates uncertainty about future payments and total cost.",
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        "imagePrompt": "A close-up of an adjustable dial with the needle mid-movement, representing an interest rate that can shift over time.",
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      "id": "fi-m101-mcq-payoff-3",
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      "title": "Consolidation Can Cost More",
      "body": "Combining debts into one loan can lower the monthly payment, but a longer term or new fees attached to the consolidation can raise the total amount paid over time.",
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        "imagePrompt": "Several small bills and statements being gathered together and clipped into a single larger loan document.",
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      "id": "fi-m101-mcq-payoff-4",
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      ],
      "title": "Before Any Extra Payment",
      "body": "Before extra money goes toward accelerating any one debt, every required minimum and essential obligation needs to stay current — avoiding default and protecting essentials comes before acceleration.",
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        "imageSearchTerm": "person paying bills desk",
        "imagePrompt": "A person at a desk sorting through a stack of bills, setting aside the minimum payments to cover first before anything extra.",
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      },
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      "id": "fi-m101-mcq-payoff-5",
      "tags": [
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      ],
      "title": "Before a Payment Is Missed",
      "body": "When payments risk becoming unaffordable, contacting creditors before missing one can surface legitimate options and leaves a documented record to fall back on.",
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        "imageSearchTerm": "phone call creditor bill",
        "imagePrompt": "A person sitting at a table making a phone call while holding a bill, taking notes on a notepad during the conversation.",
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    {
      "id": "fi-m101-mcq-pay-3",
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      ],
      "title": "The Form Behind Your Wages",
      "body": "Form W-2 is the wage statement employers generally furnish to employees, and it's what commonly reports total wages along with how much was withheld for taxes.",
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        "imagePrompt": "A tax wage statement document lying on a desk beside a calculator during tax season.",
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      "id": "fi-m101-mcq-pay-4",
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      ],
      "title": "No Form, Tax Still Due",
      "body": "For independent-contractor income, tax can be owed even if no information form ever arrives — taxability depends on the income and the law, not on whether a form was received.",
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      "id": "fi-m101-mcq-pay-5",
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      "title": "Errors Hide in Pay Stubs",
      "body": "A pay statement can contain mistakes in hours worked, pay rate, taxes, or other deductions, and reviewing it soon after each payday makes those discrepancies easier to catch and correct.",
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      "id": "fi-m101-mcq-tax-2",
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      ],
      "title": "Not the Same as Marginal",
      "body": "An effective tax rate is total income tax divided by an income measure — a summary of the overall tax burden, distinct from the marginal rate, which only concerns the next dollar earned.",
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        "imageSearchTerm": "tax forms calculator documents",
        "imagePrompt": "A stack of tax forms spread across a desk beside a calculator during tax preparation.",
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      ],
      "title": "Where the Break Applies",
      "body": "A tax deduction reduces the amount of income that's taxable, while a tax credit reduces the tax actually calculated — the two enter the tax calculation at different stages and aren't interchangeable.",
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      "title": "A Second Job Changes Things",
      "body": "Picking up a second job with substantial income is a common trigger for revisiting withholding, since the assumptions behind the original amount may no longer hold once total income changes.",
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        "imagePrompt": "A person reviewing two separate paychecks side by side at a kitchen table, representing income from two jobs.",
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      "title": "The Cash Behind a Deductible",
      "body": "A very high deductible can leave a household short on cash exactly when a claim happens — it's real cash exposure that needs to fit available reserves.",
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        "imageSearchTerm": "Cash Behind a Deductible",
        "imagePrompt": "The Cash Behind a Deductible. A very high deductible can leave a household short on cash exactly when a claim happens — it's real cash exposure that needs to fit available reserves.",
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        "creditUrl": "https://unsplash.com/photos/1-usa-dollar-banknotes-8lnbXtxFGZw",
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      ],
      "title": "Not a Flat Copay",
      "body": "Coinsurance is the percentage of an allowed medical cost that the member pays, which makes it different from a copayment — a fixed dollar amount charged regardless of the total bill.",
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        "imageSearchTerm": "medical bill insurance statement",
        "imagePrompt": "A medical bill and insurance statement spread on a table beside a calculator, representing costs shared between patient and insurer.",
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      ],
      "title": "The Max Has a Gap",
      "body": "A health plan's out-of-pocket maximum is meant to cap what a member pays, but premium payments generally don't count toward that cap — they can keep adding up on top of it.",
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        "imageSearchTerm": "health insurance premium statement",
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    {
      "id": "fi-m101-mcq-policies-1",
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      ],
      "title": "Belongings, Not the Building",
      "body": "Renters insurance is built to protect a tenant's personal belongings and liability, not the building itself — a landlord's own policy is generally what covers the structure.",
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        "imageSearchTerm": "apartment belongings renters insurance",
        "imagePrompt": "The interior of a rented apartment showing personal belongings like furniture and electronics, representing what renters insurance protects inside a building.",
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      ],
      "title": "Protecting the Paycheck",
      "body": "Disability insurance is primarily built to address the loss of earned income after a covered illness or injury, replacing part of a paycheck when the insured person can't work under the policy's terms.",
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        "imageSearchTerm": "person recovering income protection",
        "imagePrompt": "A person resting at home recovering from an injury, with a paycheck and insurance paperwork on the table nearby.",
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      ],
      "title": "No Cash Value, Just Coverage",
      "body": "Term life insurance covers only a stated period and is generally built purely for death-benefit protection, usually without building any cash value along the way.",
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        "imagePrompt": "A protective umbrella shielding a small family silhouette, with a calendar in the background marking a fixed end date.",
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    {
      "id": "fi-m101-mcq-workplace-2",
      "tags": [
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      ],
      "title": "Employer Money Has Strings",
      "body": "Vesting determines how much of an employer's retirement contributions an employee actually owns over time — employee deferrals, by contrast, are always the employee's own money.",
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        "imageSearchTerm": "employer retirement contribution vesting",
        "imagePrompt": "A young tree with roots slowly anchoring into the soil beneath it, symbolizing ownership that strengthens gradually over time.",
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        "url": "https://cdn.recurxive.com/packs/money-101/images/m101-proc-decode-plan.webp"
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    {
      "id": "fi-m101-mcq-workplace-3",
      "tags": [
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      ],
      "title": "The Pension's Own Promise",
      "body": "A defined benefit pension promises a retirement benefit that's calculated using a set formula, as defined by the plan's own rules.",
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        "imageSearchTerm": "defined benefit pension plan",
        "imagePrompt": "An open ledger book resting beside a golden pocket watch, symbolizing a retirement benefit calculated by a fixed formula.",
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        "creditUrl": "https://www.pexels.com/photo/an-elderly-man-consulting-an-insurance-agent-8441780/",
        "subject": "A stock photo of a besuited financial/insurance consultant and an older client sitting at a table together, the consultant writing on a form while the client gestures toward paperwork — a retirement/benefits consultation scene.",
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      },
      "uid": "1b5i5351svzoix"
    },
    {
      "id": "fi-m101-mcq-workplace-5",
      "tags": [
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        "workplace",
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      ],
      "title": "A Foundation, Not a Plan",
      "body": "Social Security generally functions as a federal retirement foundation, based partly on a worker's covered earnings and the age benefits are claimed — an important income source, but not necessarily a complete retirement plan on its own.",
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        "imageSearchTerm": "Foundation Not a Plan",
        "imagePrompt": "A Foundation, Not a Plan. Social Security generally functions as a federal retirement foundation, based partly on a worker's covered earnings and the age benefits are claimed — an important income source, b",
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        "creditUrl": "https://unsplash.com/photos/aerial-view-of-gray-concrete-building-rsGd-rXFGkM",
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      },
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    {
      "id": "fi-m101-mcq-routine-2",
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      ],
      "title": "Spreading Out the Risk",
      "body": "Diversification works by reducing dependence on any single investment or exposure — it manages concentration risk, though it can't eliminate market risk altogether.",
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        "imageSearchTerm": "diversified investment risk",
        "imagePrompt": "Several eggs distributed across many separate woven baskets instead of one, symbolizing spread investment risk.",
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        "creditUrl": "https://unsplash.com/photos/blue-blocks-spelling-risk-next-to-a-magnifying-glass-q5kwAqdyRe8",
        "subject": "Four blue letter blocks stacked to spell 'RISK' beside a magnifying glass on a plain blue-gradient background — a clean, generic finance-risk stock prop photo; matches the card's 'Risk' theme without asserting anything false, though it doesn't show diversification/spreading specifically.",
        "url": "https://cdn.recurxive.com/packs/money-101/images/fi-m101-mcq-routine-2.webp"
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      "id": "fi-m101-mcq-routine-3",
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      ],
      "title": "The Cost That Compounds",
      "body": "Investment fees are often just small recurring percentages, but like returns, they compound over time — except fees compound against long-term account value instead of building it.",
      "shape": "fact",
      "illustration": {
        "imageSearchTerm": "investment fees compounding",
        "imagePrompt": "A small boulder rolling down a long hill and growing larger the further it travels, symbolizing costs compounding over time.",
        "alt": "The Cost That Compounds",
        "depictable": false,
        "credit": "Unsplash · Towfiqu barbhuiya · Unsplash License",
        "creditUrl": "https://unsplash.com/photos/a-person-stacking-coins-on-top-of-a-table-jpqyfK7GB4w",
        "subject": "a person's hands stacking three towers of gold-toned coins on a table, the towers arranged tall-to-short left to right, no text or logos",
        "url": "https://cdn.recurxive.com/packs/money-101/images/fi-m101-mcq-routine-3.webp"
      },
      "uid": "1g1qifw158zgj6"
    },
    {
      "id": "fi-m101-mcq-routine-5",
      "tags": [
        "lesson-9",
        "routine",
        "money-101"
      ],
      "title": "Eligibility Rules Shift Yearly",
      "body": "Contribution limits and eligibility rules can change from year to year and apply differently by plan and age, so a figure worth relying on is the one verified for the current tax year.",
      "shape": "fact",
      "illustration": {
        "imageSearchTerm": "retirement contribution limits calendar",
        "imagePrompt": "A calendar page turning to a new year beside a shifting stack of coins, symbolizing rules that change annually.",
        "alt": "Eligibility Rules Shift Yearly",
        "depictable": false,
        "credit": "Pexels · Towfiqu barbhuiya · Pexels License",
        "creditUrl": "https://www.pexels.com/photo/a-person-holding-black-pen-pointing-on-calendar-11773871/",
        "subject": "A hand holding a blue pen circling the date '30' in red on a desk calendar, with a calculator and tablet visible nearby on a wood desk — calendar plus everyday finance tools.",
        "url": "https://cdn.recurxive.com/packs/money-101/images/fi-m101-mcq-routine-5.webp"
      },
      "uid": "18bgf3be8z1f9"
    },
    {
      "id": "fi-m101-mcq-verify-2",
      "tags": [
        "lesson-10",
        "verify",
        "money-101"
      ],
      "title": "Gift Cards Don't Pay Debts",
      "body": "Gift-card codes demanded to settle a government debt are a strong scam warning sign—government debts are never resolved that way.",
      "shape": "fact",
      "illustration": {
        "imageSearchTerm": "gift card scam call",
        "imagePrompt": "A person on the phone looking worried while holding several gift cards, illustrating a scam demanding gift-card payment.",
        "alt": "Gift Cards Don't Pay Debts",
        "depictable": true,
        "credit": "Pexels · KATRIN  BOLOVTSOVA",
        "creditUrl": "https://www.pexels.com/photo/people-talking-via-video-call-5956720/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/fi-m101-mcq-verify-2.webp"
      },
      "uid": "13o7fex1gj20zp"
    },
    {
      "id": "fi-m101-mcq-verify-3",
      "tags": [
        "lesson-10",
        "verify",
        "money-101"
      ],
      "title": "Caller ID Can Be Spoofed",
      "body": "Caller ID isn't proof of who's calling—scammers can spoof the display so a call appears to come from a familiar organization.",
      "shape": "fact",
      "illustration": {
        "imageSearchTerm": "smartphone caller ID screen",
        "imagePrompt": "A close-up of a smartphone screen displaying an incoming call with a caller name, held in someone's hand.",
        "alt": "Caller ID Can Be Spoofed",
        "depictable": true,
        "credit": "Pexels · cottonbro studio",
        "creditUrl": "https://www.pexels.com/photo/close-up-shot-of-a-person-calling-on-a-phone-6862844/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/fi-m101-mcq-verify-3.webp"
      },
      "uid": "uw4h43tfam8f"
    },
    {
      "id": "fi-m101-mcq-verify-5",
      "tags": [
        "lesson-10",
        "verify",
        "money-101"
      ],
      "title": "One-Time Codes Stay Private",
      "body": "A one-time authentication code proves access to an account and belongs only in the legitimate service you initiated—not with anyone who contacts you first.",
      "shape": "fact",
      "illustration": {
        "imageSearchTerm": "phone one-time passcode",
        "imagePrompt": "A smartphone screen showing a text message bubble with a short one-time verification code.",
        "alt": "One-Time Codes Stay Private",
        "depictable": true,
        "credit": "Pexels · indra projects",
        "creditUrl": "https://www.pexels.com/photo/a-person-s-finger-is-touching-a-tablet-screen-27742642/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/fi-m101-mcq-verify-5.webp"
      },
      "uid": "11naaqy4cmnze"
    },
    {
      "id": "fi-m101-mcq-recover-2",
      "tags": [
        "lesson-10",
        "recover",
        "money-101"
      ],
      "title": "Three Bureaus, Three Freezes",
      "body": "A complete U.S. credit freeze requires contacting all three nationwide credit bureaus separately—Equifax, Experian, and TransUnion each maintain their own file and freeze.",
      "shape": "fact",
      "illustration": {
        "imageSearchTerm": "credit report freeze padlock",
        "imagePrompt": "Three separate file folders, each secured with its own small padlock, symbolizing separate credit bureau freezes.",
        "alt": "Three Bureaus, Three Freezes",
        "depictable": false,
        "credit": "Unsplash · Towfiqu barbhuiya · Unsplash License",
        "creditUrl": "https://unsplash.com/photos/a-golden-padlock-sitting-on-top-of-a-keyboard-FnA5pAzqhMM",
        "subject": "A gold combination padlock resting on a white computer keyboard next to two blank gold credit cards with visible EMV chips — directly pairs 'credit' and 'lock/freeze' in one clean photo.",
        "url": "https://cdn.recurxive.com/packs/money-101/images/fi-m101-mcq-recover-2.webp"
      },
      "uid": "1j3zkz114me529"
    },
    {
      "id": "fi-m101-mcq-recover-3",
      "tags": [
        "lesson-10",
        "recover",
        "money-101"
      ],
      "title": "Unique Passwords Limit Damage",
      "body": "Using unique passwords for every account, stored in a reputable password manager, limits the damage when any single service gets breached.",
      "shape": "fact",
      "illustration": {
        "imageSearchTerm": "password manager app screen",
        "imagePrompt": "A smartphone displaying a password manager app with a list of masked passwords and a lock icon.",
        "alt": "Unique Passwords Limit Damage",
        "depictable": true,
        "credit": "Pexels · Jakub Zerdzicki",
        "creditUrl": "https://www.pexels.com/photo/screen-lock-27522927/",
        "url": "https://cdn.recurxive.com/packs/money-101/images/fi-m101-mcq-recover-3.webp"
      },
      "uid": "15y4x5a54j2mo"
    },
    {
      "id": "fi-m101-mcq-recover-5",
      "tags": [
        "lesson-10",
        "recover",
        "money-101"
      ],
      "title": "IdentityTheft.gov: The Recovery Plan",
      "body": "IdentityTheft.gov is the FTC's site for creating a U.S. identity-theft recovery plan; other sites serve different purposes.",
      "shape": "fact",
      "illustration": {
        "imageSearchTerm": "identity theft recovery plan",
        "imagePrompt": "A person sitting at a desk filling out an official recovery form, with a protective shield icon overlaid on their documents.",
        "alt": "IdentityTheft.gov: The Recovery Plan",
        "depictable": false,
        "credit": "Unsplash · Towfiqu barbhuiya · Unsplash License",
        "creditUrl": "https://unsplash.com/photos/a-golden-padlock-sitting-on-top-of-a-keyboard-FnA5pAzqhMM",
        "subject": "Close-up product-style photo of a gold combination padlock resting on a white keyboard next to two gold credit/debit cards with visible EMV chips but no readable card-issuer branding.",
        "url": "https://cdn.recurxive.com/packs/money-101/images/fi-m101-mcq-recover-5.webp"
      },
      "uid": "1byh3r514o4slt"
    },
    {
      "id": "ot-cov-behavior-1",
      "shape": "mcq",
      "tags": [
        "money-mindset",
        "values",
        "personal-worth"
      ],
      "prompt": {
        "modality": "text",
        "value": "Per the lesson, what is money explicitly said NOT to measure?"
      },
      "options": [
        {
          "modality": "text",
          "value": "A person's job title or career"
        },
        {
          "modality": "text",
          "value": "A person's education or credentials"
        },
        {
          "modality": "text",
          "value": "A person's discipline or worth"
        },
        {
          "modality": "text",
          "value": "A person's age or experience"
        }
      ],
      "correctIndex": 2,
      "explanation": "The guide's fact card states money 'is not a measure of intelligence, discipline, or human worth' — it does not say anything about job title, education, or age.",
      "source": {
        "label": "Money 101 — Objective Test"
      },
      "uid": "1eoarzdm2lfbx"
    },
    {
      "id": "ot-cov-behavior-2",
      "shape": "mcq",
      "tags": [
        "net-worth",
        "money-mindset"
      ],
      "prompt": {
        "modality": "text",
        "value": "What does the lesson say net worth should NOT be treated as?"
      },
      "options": [
        {
          "modality": "text",
          "value": "A point-in-time balance-sheet snapshot"
        },
        {
          "modality": "text",
          "value": "A grade on someone's life or character"
        },
        {
          "modality": "text",
          "value": "The sum of assets minus liabilities"
        },
        {
          "modality": "text",
          "value": "A number that can improve over time"
        }
      ],
      "correctIndex": 1,
      "explanation": "The guide says net worth is a tracking measure, not a grade on your life or a verdict on character.",
      "source": {
        "label": "Money 101 — Objective Test"
      },
      "uid": "l30tyr1s8ezzf"
    },
    {
      "id": "ot-cov-workplace-1",
      "shape": "mcq",
      "tags": [
        "social-security",
        "retirement",
        "federal-programs"
      ],
      "prompt": {
        "modality": "text",
        "value": "How does the lesson describe Social Security compared to a workplace retirement plan?"
      },
      "options": [
        {
          "modality": "text",
          "value": "A private employer-sponsored pension"
        },
        {
          "modality": "text",
          "value": "A separate federal program funded by payroll taxes"
        },
        {
          "modality": "text",
          "value": "A tax-free investment brokerage account"
        },
        {
          "modality": "text",
          "value": "An individual account funded like a 401(k)"
        }
      ],
      "correctIndex": 1,
      "explanation": "The guide calls Social Security a separate federal program financed largely through payroll taxes, unlike a workplace plan.",
      "source": {
        "label": "Money 101 — Objective Test"
      },
      "uid": "1pptmfnc7v6oz"
    },
    {
      "id": "ot-cov-workplace-2",
      "shape": "mcq",
      "tags": [
        "social-security",
        "retirement"
      ],
      "prompt": {
        "modality": "text",
        "value": "What does a worker's Social Security benefit depend on, per the lesson?"
      },
      "options": [
        {
          "modality": "text",
          "value": "The plan's vesting schedule"
        },
        {
          "modality": "text",
          "value": "Covered earnings and the age benefits are claimed"
        },
        {
          "modality": "text",
          "value": "The account's investment fee percentage"
        },
        {
          "modality": "text",
          "value": "The employer's 401(k) matching formula"
        }
      ],
      "correctIndex": 1,
      "explanation": "Social Security benefits depend on covered earnings and claiming age, distinct from employer plan rules.",
      "source": {
        "label": "Money 101 — Objective Test"
      },
      "uid": "85xazc1odboma"
    }
  ],
  "lessons": [
    {
      "id": "m101-l1",
      "title": "Money Foundations and Mindset",
      "order": 0,
      "studyGuidePath": "/packs/money-101/guides/l1-money-foundations.md",
      "sources": [
        {
          "label": "CFPB — Financial well-being resources",
          "url": "https://www.consumerfinance.gov/consumer-tools/financial-well-being/"
        },
        {
          "label": "Federal Reserve — Survey of Household Economics and Decisionmaking",
          "url": "https://www.federalreserve.gov/consumerscommunities/shed.htm"
        }
      ],
      "parts": [
        {
          "id": "m101-l1p1-behavior",
          "title": "Behavior and Values",
          "order": 0,
          "blurb": "Build a calm money system around priorities and real behavior.",
          "studyGuideAnchor": "behavior-and-values",
          "itemIds": [
            "m101-fact-money-tool",
            "m101-fact-systems-beat-shame",
            "m101-pair-values-based-spending",
            "m101-def-financial-friction",
            "m101-mcq-values-1",
            "m101-mcq-values-2",
            "m101-mcq-values-3",
            "m101-mcq-values-4",
            "m101-mcq-values-5",
            "m101-proc-money-values",
            "cz-money-101-m101-def-financial-friction",
            "tf-f-money-101-m101-pair-values-based-spending",
            "tf-df-money-101-m101-def-financial-friction",
            "fi-m101-mcq-values-1",
            "fi-m101-mcq-values-4",
            "fi-m101-mcq-values-5",
            "ot-cov-behavior-1"
          ]
        },
        {
          "id": "m101-l1p2-snapshot",
          "title": "Your Financial Snapshot",
          "order": 1,
          "blurb": "Separate what you own, what you owe, and what moves each month.",
          "studyGuideAnchor": "your-financial-snapshot",
          "itemIds": [
            "m101-fact-net-worth-equation",
            "m101-fact-snapshot-two-views",
            "m101-pair-asset",
            "m101-def-liability",
            "m101-mcq-snapshot-1",
            "m101-mcq-snapshot-2",
            "m101-mcq-snapshot-3",
            "m101-mcq-snapshot-4",
            "m101-mcq-snapshot-5",
            "m101-proc-financial-snapshot",
            "cz-money-101-m101-def-liability",
            "tf-t-money-101-m101-pair-asset",
            "tf-d-money-101-m101-def-liability",
            "fi-m101-mcq-snapshot-2",
            "fi-m101-mcq-snapshot-3",
            "fi-m101-mcq-snapshot-4",
            "ot-cov-behavior-2"
          ]
        }
      ],
      "objectives": [
        {
          "id": "m101-obj-behavior",
          "statement": "Explain how values, habits, and financial friction shape money decisions without treating wealth as a measure of personal worth.",
          "demonstrationIds": [
            "m101-demo-behavior"
          ]
        },
        {
          "id": "m101-obj-snapshot",
          "statement": "Calculate net worth from a household's assets and liabilities.",
          "demonstrationIds": [
            "m101-demo-snapshot"
          ]
        }
      ],
      "demonstrations": [
        {
          "id": "m101-demo-behavior",
          "label": "Values, habits, and financial choices",
          "itemIds": [
            "m101-mcq-values-2",
            "m101-pair-values-based-spending",
            "m101-def-financial-friction",
            "m101-mcq-values-1",
            "ot-cov-behavior-1",
            "ot-cov-behavior-2"
          ],
          "requiredCorrect": 3
        },
        {
          "id": "m101-demo-snapshot",
          "label": "Net worth and cash-flow views",
          "itemIds": [
            "m101-pair-asset",
            "m101-def-liability",
            "m101-mcq-snapshot-1"
          ],
          "requiredCorrect": 3
        }
      ],
      "objectiveTests": [
        {
          "id": "test-behavior",
          "objectiveId": "m101-obj-behavior",
          "title": "Values, habits, and financial choices",
          "mcqIds": [
            "m101-mcq-values-1",
            "m101-mcq-values-2",
            "m101-mcq-values-3",
            "m101-mcq-values-4",
            "m101-mcq-values-5",
            "ot-cov-behavior-1",
            "ot-cov-behavior-2"
          ]
        },
        {
          "id": "test-snapshot",
          "objectiveId": "m101-obj-snapshot",
          "title": "Net worth and cash-flow views",
          "mcqIds": [
            "m101-mcq-snapshot-1",
            "m101-mcq-snapshot-2",
            "m101-mcq-snapshot-3",
            "m101-mcq-snapshot-4",
            "m101-mcq-snapshot-5"
          ]
        }
      ]
    },
    {
      "id": "m101-l2",
      "title": "Budgeting and Cash Flow",
      "order": 1,
      "studyGuidePath": "/packs/money-101/guides/l2-budgeting-cash-flow.md",
      "sources": [
        {
          "label": "CFPB — Your Money, Your Goals toolkit",
          "url": "https://www.consumerfinance.gov/consumer-tools/educator-tools/your-money-your-goals/toolkit/"
        },
        {
          "label": "CFPB — Unexpected job loss and cash-flow tools",
          "url": "https://www.consumerfinance.gov/consumer-tools/unexpected-job-loss/"
        }
      ],
      "parts": [
        {
          "id": "m101-l2p1-map",
          "title": "Map the Money",
          "order": 0,
          "blurb": "Track take-home income, expenses, and timing.",
          "studyGuideAnchor": "map-the-money",
          "itemIds": [
            "m101-fact-budget-plan",
            "m101-fact-timing-matters",
            "m101-pair-gross-income",
            "m101-def-irregular-expense",
            "m101-mcq-map-1",
            "m101-mcq-map-2",
            "m101-mcq-map-3",
            "m101-mcq-map-4",
            "m101-mcq-map-5",
            "m101-proc-cash-flow-map",
            "cz-money-101-m101-def-irregular-expense",
            "tf-t-money-101-m101-pair-gross-income",
            "tf-df-money-101-m101-def-irregular-expense",
            "fi-m101-mcq-map-1",
            "fi-m101-mcq-map-2",
            "fi-m101-mcq-map-4"
          ]
        },
        {
          "id": "m101-l2p2-methods",
          "title": "Choose a Spending Plan",
          "order": 1,
          "blurb": "Match the budgeting method to the problem you need to solve.",
          "studyGuideAnchor": "choose-a-spending-plan",
          "itemIds": [
            "m101-fact-no-perfect-budget",
            "m101-fact-percentages-heuristic",
            "m101-pair-zero-based-budget",
            "m101-def-pay-yourself-first",
            "m101-mcq-methods-1",
            "m101-mcq-methods-2",
            "m101-mcq-methods-3",
            "m101-mcq-methods-4",
            "m101-mcq-methods-5",
            "m101-proc-choose-budget",
            "cz-money-101-m101-def-pay-yourself-first",
            "tf-t-money-101-m101-pair-zero-based-budget",
            "tf-d-money-101-m101-def-pay-yourself-first",
            "fi-m101-mcq-methods-3",
            "fi-m101-mcq-methods-4",
            "fi-m101-mcq-methods-5"
          ]
        }
      ],
      "objectives": [
        {
          "id": "m101-obj-map",
          "statement": "Classify gross vs. take-home income, and recognize a predictable irregular expense.",
          "demonstrationIds": [
            "m101-demo-map"
          ]
        },
        {
          "id": "m101-obj-methods",
          "statement": "Compare common budgeting methods and select a workable approach for detailed or automated situations.",
          "demonstrationIds": [
            "m101-demo-methods"
          ]
        }
      ],
      "demonstrations": [
        {
          "id": "m101-demo-map",
          "label": "Income, expenses, and timing",
          "itemIds": [
            "m101-mcq-map-2",
            "m101-pair-gross-income",
            "m101-def-irregular-expense",
            "m101-mcq-map-1"
          ],
          "requiredCorrect": 3
        },
        {
          "id": "m101-demo-methods",
          "label": "Selecting a budgeting method",
          "itemIds": [
            "m101-mcq-methods-2",
            "m101-pair-zero-based-budget",
            "m101-def-pay-yourself-first",
            "m101-mcq-methods-1"
          ],
          "requiredCorrect": 3
        }
      ],
      "objectiveTests": [
        {
          "id": "test-map",
          "objectiveId": "m101-obj-map",
          "title": "Income, expenses, and timing",
          "mcqIds": [
            "m101-mcq-map-1",
            "m101-mcq-map-2",
            "m101-mcq-map-3",
            "m101-mcq-map-4",
            "m101-mcq-map-5"
          ]
        },
        {
          "id": "test-methods",
          "objectiveId": "m101-obj-methods",
          "title": "Selecting a budgeting method",
          "mcqIds": [
            "m101-mcq-methods-1",
            "m101-mcq-methods-2",
            "m101-mcq-methods-3",
            "m101-mcq-methods-4",
            "m101-mcq-methods-5"
          ]
        }
      ]
    },
    {
      "id": "m101-l3",
      "title": "Banking and Accounts",
      "order": 2,
      "studyGuidePath": "/packs/money-101/guides/l3-banking-accounts.md",
      "sources": [
        {
          "label": "FDIC — Understanding deposit insurance",
          "url": "https://www.fdic.gov/deposit/deposits/insured/ownership.html"
        },
        {
          "label": "NCUA — Share insurance coverage",
          "url": "https://ncua.gov/consumers/share-insurance-coverage"
        },
        {
          "label": "CFPB — Consumer tools for bank accounts",
          "url": "https://www.consumerfinance.gov/consumer-tools/bank-accounts/"
        }
      ],
      "parts": [
        {
          "id": "m101-l3p1-everyday",
          "title": "Everyday Accounts",
          "order": 0,
          "blurb": "Use checking and savings accounts deliberately and avoid fee traps.",
          "studyGuideAnchor": "everyday-accounts",
          "itemIds": [
            "m101-fact-checking-job",
            "m101-fact-fees-vs-yield",
            "m101-pair-apy",
            "m101-def-reconciliation",
            "m101-mcq-accounts-1",
            "m101-mcq-accounts-2",
            "m101-mcq-accounts-3",
            "m101-mcq-accounts-4",
            "m101-mcq-accounts-5",
            "m101-proc-account-review",
            "cz-money-101-m101-def-reconciliation",
            "tf-t-money-101-m101-pair-apy",
            "tf-d-money-101-m101-def-reconciliation",
            "fi-m101-mcq-accounts-3",
            "fi-m101-mcq-accounts-4",
            "fi-m101-mcq-accounts-5"
          ]
        },
        {
          "id": "m101-l3p2-protection",
          "title": "Safety and Account Choice",
          "order": 1,
          "blurb": "Verify federal insurance and match each account to a job.",
          "studyGuideAnchor": "safety-and-account-choice",
          "itemIds": [
            "m101-fact-fdic-rule",
            "m101-fact-investments-not-deposits",
            "m101-pair-ncusif",
            "m101-def-ownership-category",
            "m101-mcq-protection-1",
            "m101-mcq-protection-2",
            "m101-mcq-protection-3",
            "m101-mcq-protection-4",
            "m101-mcq-protection-5",
            "m101-proc-verify-insurance",
            "cz-money-101-m101-def-ownership-category",
            "tf-df-money-101-m101-def-ownership-category",
            "fi-m101-mcq-protection-2",
            "fi-m101-mcq-protection-3",
            "fi-m101-mcq-protection-4"
          ]
        }
      ],
      "objectives": [
        {
          "id": "m101-obj-everyday",
          "statement": "Compare checking and savings accounts using access, fees, APY, and reconciliation needs.",
          "demonstrationIds": [
            "m101-demo-everyday"
          ]
        },
        {
          "id": "m101-obj-protection",
          "statement": "Determine whether a U.S. deposit account is federally insured and apply the standard coverage rule without confusing deposits with investments.",
          "demonstrationIds": [
            "m101-demo-protection"
          ]
        }
      ],
      "demonstrations": [
        {
          "id": "m101-demo-everyday",
          "label": "Account features and safe operation",
          "itemIds": [
            "m101-mcq-accounts-2",
            "m101-pair-apy",
            "m101-def-reconciliation",
            "m101-mcq-accounts-1"
          ],
          "requiredCorrect": 3
        },
        {
          "id": "m101-demo-protection",
          "label": "Deposit insurance and account selection",
          "itemIds": [
            "m101-mcq-protection-2",
            "m101-pair-ncusif",
            "m101-def-ownership-category",
            "m101-mcq-protection-1"
          ],
          "requiredCorrect": 3
        }
      ],
      "objectiveTests": [
        {
          "id": "test-everyday",
          "objectiveId": "m101-obj-everyday",
          "title": "Account features and safe operation",
          "mcqIds": [
            "m101-mcq-accounts-1",
            "m101-mcq-accounts-2",
            "m101-mcq-accounts-3",
            "m101-mcq-accounts-4",
            "m101-mcq-accounts-5"
          ]
        },
        {
          "id": "test-protection",
          "objectiveId": "m101-obj-protection",
          "title": "Deposit insurance and account selection",
          "mcqIds": [
            "m101-mcq-protection-1",
            "m101-mcq-protection-2",
            "m101-mcq-protection-3",
            "m101-mcq-protection-4",
            "m101-mcq-protection-5"
          ]
        }
      ]
    },
    {
      "id": "m101-l4",
      "title": "Saving and Emergency Funds",
      "order": 3,
      "studyGuidePath": "/packs/money-101/guides/l4-saving-emergencies.md",
      "sources": [
        {
          "label": "CFPB — An essential guide to building an emergency fund",
          "url": "https://www.consumerfinance.gov/an-essential-guide-to-building-an-emergency-fund/"
        },
        {
          "label": "Investor.gov — Compound interest calculator",
          "url": "https://www.investor.gov/financial-tools-calculators/calculators/compound-interest-calculator"
        }
      ],
      "parts": [
        {
          "id": "m101-l4p1-emergency",
          "title": "Build Financial Shock Absorbers",
          "order": 0,
          "blurb": "Separate emergencies from predictable irregular costs.",
          "studyGuideAnchor": "build-financial-shock-absorbers",
          "itemIds": [
            "m101-fact-emergency-purpose",
            "m101-fact-target-context",
            "m101-pair-sinking-fund",
            "m101-def-liquidity",
            "m101-mcq-emergency-1",
            "m101-mcq-emergency-2",
            "m101-mcq-emergency-3",
            "m101-mcq-emergency-4",
            "m101-mcq-emergency-5",
            "m101-proc-starter-buffer",
            "cz-money-101-m101-def-liquidity",
            "tf-f-money-101-m101-pair-sinking-fund",
            "tf-df-money-101-m101-def-liquidity",
            "fi-m101-mcq-emergency-1",
            "fi-m101-mcq-emergency-2",
            "fi-m101-mcq-emergency-5"
          ]
        },
        {
          "id": "m101-l4p2-repeatable",
          "title": "Make Saving Repeatable",
          "order": 1,
          "blurb": "Use automation, named goals, and compounding wisely.",
          "studyGuideAnchor": "make-saving-repeatable",
          "itemIds": [
            "m101-fact-automation-trigger",
            "m101-fact-compound-growth",
            "m101-pair-rule-of-72",
            "m101-def-compound-interest",
            "m101-mcq-repeatable-1",
            "m101-mcq-repeatable-2",
            "m101-mcq-repeatable-3",
            "m101-mcq-repeatable-4",
            "m101-mcq-repeatable-5",
            "m101-proc-savings-system",
            "m101-num-rule72-3",
            "m101-num-rule72-4",
            "m101-num-rule72-6",
            "m101-num-rule72-8",
            "m101-num-rule72-9",
            "m101-num-rule72-12",
            "cz-money-101-m101-def-compound-interest",
            "tf-t-money-101-m101-pair-rule-of-72",
            "tf-df-money-101-m101-def-compound-interest",
            "fi-m101-mcq-repeatable-2",
            "fi-m101-mcq-repeatable-3",
            "fi-m101-mcq-repeatable-5"
          ]
        }
      ],
      "objectives": [
        {
          "id": "m101-obj-emergency",
          "statement": "Distinguish an emergency fund from a sinking fund and explain why emergency savings should stay liquid.",
          "demonstrationIds": [
            "m101-demo-emergency"
          ]
        },
        {
          "id": "m101-obj-repeatable",
          "statement": "Build a repeatable savings system and use the Rule of 72 as a rough estimate rather than a promise.",
          "demonstrationIds": [
            "m101-demo-repeatable"
          ]
        }
      ],
      "demonstrations": [
        {
          "id": "m101-demo-emergency",
          "label": "Emergency reserves and sinking funds",
          "itemIds": [
            "m101-mcq-emergency-2",
            "m101-pair-sinking-fund",
            "m101-def-liquidity",
            "m101-mcq-emergency-1"
          ],
          "requiredCorrect": 3
        },
        {
          "id": "m101-demo-repeatable",
          "label": "Savings systems and compounding",
          "itemIds": [
            "m101-mcq-repeatable-2",
            "m101-pair-rule-of-72",
            "m101-def-compound-interest",
            "m101-mcq-repeatable-1"
          ],
          "requiredCorrect": 3
        }
      ],
      "objectiveTests": [
        {
          "id": "test-emergency",
          "objectiveId": "m101-obj-emergency",
          "title": "Emergency reserves and sinking funds",
          "mcqIds": [
            "m101-mcq-emergency-1",
            "m101-mcq-emergency-2",
            "m101-mcq-emergency-3",
            "m101-mcq-emergency-4",
            "m101-mcq-emergency-5"
          ]
        },
        {
          "id": "test-repeatable",
          "objectiveId": "m101-obj-repeatable",
          "title": "Savings systems and compounding",
          "mcqIds": [
            "m101-mcq-repeatable-1",
            "m101-mcq-repeatable-2",
            "m101-mcq-repeatable-3",
            "m101-mcq-repeatable-4",
            "m101-mcq-repeatable-5"
          ]
        }
      ]
    },
    {
      "id": "m101-l5",
      "title": "Credit and Credit Scores",
      "order": 4,
      "studyGuidePath": "/packs/money-101/guides/l5-credit-scores.md",
      "sources": [
        {
          "label": "CFPB — Credit reports and scores",
          "url": "https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/"
        },
        {
          "label": "AnnualCreditReport.com — Authorized free credit reports",
          "url": "https://www.annualcreditreport.com/"
        },
        {
          "label": "myFICO — What's in your FICO Scores",
          "url": "https://www.myfico.com/credit-education/whats-in-your-credit-score"
        }
      ],
      "parts": [
        {
          "id": "m101-l5p1-reports",
          "title": "Reports, Scores, and Errors",
          "order": 0,
          "blurb": "Understand what scores predict and how to review the underlying reports.",
          "studyGuideAnchor": "reports-scores-and-errors",
          "itemIds": [
            "m101-fact-score-not-morality",
            "m101-fact-fico-factors",
            "m101-pair-credit-report",
            "m101-def-hard-inquiry",
            "m101-mcq-reports-1",
            "m101-mcq-reports-2",
            "m101-mcq-reports-3",
            "m101-mcq-reports-4",
            "m101-mcq-reports-5",
            "m101-proc-review-credit",
            "cz-money-101-m101-def-hard-inquiry",
            "tf-t-money-101-m101-pair-credit-report",
            "tf-d-money-101-m101-def-hard-inquiry",
            "fi-m101-mcq-reports-1",
            "fi-m101-mcq-reports-4",
            "fi-m101-mcq-reports-5"
          ]
        },
        {
          "id": "m101-l5p2-cards",
          "title": "Use Credit Cards Deliberately",
          "order": 1,
          "blurb": "Understand statements, utilization, interest, and autopay.",
          "studyGuideAnchor": "use-credit-cards-deliberately",
          "itemIds": [
            "m101-fact-minimum-not-plan",
            "m101-fact-rewards-math",
            "m101-pair-statement-balance",
            "m101-def-credit-utilization",
            "m101-mcq-cards-1",
            "m101-mcq-cards-2",
            "m101-mcq-cards-3",
            "m101-mcq-cards-4",
            "m101-mcq-cards-5",
            "m101-proc-credit-card-routine",
            "cz-money-101-m101-def-credit-utilization",
            "tf-t-money-101-m101-pair-statement-balance",
            "tf-df-money-101-m101-def-credit-utilization",
            "fi-m101-mcq-cards-2",
            "fi-m101-mcq-cards-3",
            "fi-m101-mcq-cards-4"
          ]
        }
      ],
      "objectives": [
        {
          "id": "m101-obj-reports",
          "statement": "Distinguish a credit report from a credit score and identify the factors that shape it.",
          "demonstrationIds": [
            "m101-demo-reports"
          ]
        },
        {
          "id": "m101-obj-cards",
          "statement": "Use a credit card without confusing the limit or minimum payment with an affordable spending and repayment plan.",
          "demonstrationIds": [
            "m101-demo-cards"
          ]
        }
      ],
      "demonstrations": [
        {
          "id": "m101-demo-reports",
          "label": "Credit reports, scores, and inquiries",
          "itemIds": [
            "m101-mcq-reports-2",
            "m101-pair-credit-report",
            "m101-def-hard-inquiry",
            "m101-mcq-reports-1"
          ],
          "requiredCorrect": 3
        },
        {
          "id": "m101-demo-cards",
          "label": "Credit-card statements and repayment",
          "itemIds": [
            "m101-mcq-cards-2",
            "m101-pair-statement-balance",
            "m101-def-credit-utilization",
            "m101-mcq-cards-1"
          ],
          "requiredCorrect": 3
        }
      ],
      "objectiveTests": [
        {
          "id": "test-reports",
          "objectiveId": "m101-obj-reports",
          "title": "Credit reports, scores, and inquiries",
          "mcqIds": [
            "m101-mcq-reports-1",
            "m101-mcq-reports-2",
            "m101-mcq-reports-3",
            "m101-mcq-reports-4",
            "m101-mcq-reports-5"
          ]
        },
        {
          "id": "test-cards",
          "objectiveId": "m101-obj-cards",
          "title": "Credit-card statements and repayment",
          "mcqIds": [
            "m101-mcq-cards-1",
            "m101-mcq-cards-2",
            "m101-mcq-cards-3",
            "m101-mcq-cards-4",
            "m101-mcq-cards-5"
          ]
        }
      ]
    },
    {
      "id": "m101-l6",
      "title": "Debt and Borrowing",
      "order": 5,
      "studyGuidePath": "/packs/money-101/guides/l6-debt-borrowing.md",
      "sources": [
        {
          "label": "CFPB — Auto loan key terms",
          "url": "https://www.consumerfinance.gov/consumer-tools/auto-loans/answers/key-terms/"
        },
        {
          "label": "CFPB — How to compare auto loan offers",
          "url": "https://www.consumerfinance.gov/ask-cfpb/how-do-i-compare-auto-loan-offers-what-should-i-look-at-besides-the-monthly-payment-en-753/"
        },
        {
          "label": "CFPB — Reducing debt worksheet",
          "url": "https://www.consumerfinance.gov/documents/5782/cfpb_ymyg-toolkit_reducing-debt-worksheet.pdf"
        }
      ],
      "parts": [
        {
          "id": "m101-l6p1-loans",
          "title": "Read the Loan",
          "order": 0,
          "blurb": "Compare total cost, not just the monthly payment.",
          "studyGuideAnchor": "read-the-loan",
          "itemIds": [
            "m101-fact-payment-vs-cost",
            "m101-fact-collateral-risk",
            "m101-pair-principal",
            "m101-def-apr",
            "m101-mcq-loans-1",
            "m101-mcq-loans-2",
            "m101-mcq-loans-3",
            "m101-mcq-loans-4",
            "m101-mcq-loans-5",
            "m101-proc-compare-loans",
            "cz-money-101-m101-def-apr",
            "tf-t-money-101-m101-pair-principal",
            "tf-d-money-101-m101-def-apr",
            "fi-m101-mcq-loans-1",
            "fi-m101-mcq-loans-4",
            "fi-m101-mcq-loans-5"
          ]
        },
        {
          "id": "m101-l6p2-payoff",
          "title": "Choose a Payoff Strategy",
          "order": 1,
          "blurb": "Use avalanche, snowball, or restructuring with clear tradeoffs.",
          "studyGuideAnchor": "choose-a-payoff-strategy",
          "itemIds": [
            "m101-fact-avalanche-math",
            "m101-fact-snowball-momentum",
            "m101-pair-debt-avalanche",
            "m101-def-debt-consolidation",
            "m101-mcq-payoff-1",
            "m101-mcq-payoff-2",
            "m101-mcq-payoff-3",
            "m101-mcq-payoff-4",
            "m101-mcq-payoff-5",
            "m101-proc-debt-plan",
            "cz-money-101-m101-def-debt-consolidation",
            "tf-f-money-101-m101-pair-debt-avalanche",
            "tf-df-money-101-m101-def-debt-consolidation",
            "fi-m101-mcq-payoff-3",
            "fi-m101-mcq-payoff-4",
            "fi-m101-mcq-payoff-5"
          ]
        }
      ],
      "objectives": [
        {
          "id": "m101-obj-loans",
          "statement": "Compare loan offers using principal, APR, term, payment, fees, and total cost.",
          "demonstrationIds": [
            "m101-demo-loans"
          ]
        },
        {
          "id": "m101-obj-payoff",
          "statement": "Choose between debt snowball and avalanche payoff strategies, and define debt consolidation.",
          "demonstrationIds": [
            "m101-demo-payoff"
          ]
        }
      ],
      "demonstrations": [
        {
          "id": "m101-demo-loans",
          "label": "Loan terms and total borrowing cost",
          "itemIds": [
            "m101-mcq-loans-2",
            "m101-pair-principal",
            "m101-def-apr",
            "m101-mcq-loans-1"
          ],
          "requiredCorrect": 3
        },
        {
          "id": "m101-demo-payoff",
          "label": "Debt payoff and restructuring choices",
          "itemIds": [
            "m101-mcq-payoff-2",
            "m101-pair-debt-avalanche",
            "m101-def-debt-consolidation",
            "m101-mcq-payoff-1"
          ],
          "requiredCorrect": 3
        }
      ],
      "objectiveTests": [
        {
          "id": "test-loans",
          "objectiveId": "m101-obj-loans",
          "title": "Loan terms and total borrowing cost",
          "mcqIds": [
            "m101-mcq-loans-1",
            "m101-mcq-loans-2",
            "m101-mcq-loans-3",
            "m101-mcq-loans-4",
            "m101-mcq-loans-5"
          ]
        },
        {
          "id": "test-payoff",
          "objectiveId": "m101-obj-payoff",
          "title": "Debt payoff and restructuring choices",
          "mcqIds": [
            "m101-mcq-payoff-1",
            "m101-mcq-payoff-2",
            "m101-mcq-payoff-3",
            "m101-mcq-payoff-4",
            "m101-mcq-payoff-5"
          ]
        }
      ]
    },
    {
      "id": "m101-l7",
      "title": "Income and Taxes",
      "order": 6,
      "studyGuidePath": "/packs/money-101/guides/l7-income-taxes.md",
      "sources": [
        {
          "label": "IRS — Federal income tax rates and brackets",
          "url": "https://www.irs.gov/filing/federal-income-tax-rates-and-brackets"
        },
        {
          "label": "IRS — Topic 401, wages and salaries",
          "url": "https://www.irs.gov/taxtopics/tc401"
        },
        {
          "label": "IRS — Working Families Tax Cuts, 2026 individual changes",
          "url": "https://www.irs.gov/newsroom/working-families-tax-cuts-individuals-and-workers"
        },
        {
          "label": "SSA — 2026 COLA fact sheet",
          "url": "https://www.ssa.gov/cola/factsheets/2026.html"
        }
      ],
      "parts": [
        {
          "id": "m101-l7p1-pay",
          "title": "Read Income and Pay Statements",
          "order": 0,
          "blurb": "Trace gross pay through taxes and deductions to take-home pay.",
          "studyGuideAnchor": "read-income-and-pay-statements",
          "itemIds": [
            "m101-fact-gross-to-net",
            "m101-fact-withholding-prepayment",
            "m101-pair-w2",
            "m101-def-net-pay",
            "m101-mcq-pay-1",
            "m101-mcq-pay-2",
            "m101-mcq-pay-3",
            "m101-mcq-pay-4",
            "m101-mcq-pay-5",
            "m101-proc-read-paystub",
            "cz-money-101-m101-def-net-pay",
            "tf-f-money-101-m101-pair-w2",
            "tf-df-money-101-m101-def-net-pay",
            "fi-m101-mcq-pay-3",
            "fi-m101-mcq-pay-4",
            "fi-m101-mcq-pay-5"
          ]
        },
        {
          "id": "m101-l7p2-tax",
          "title": "Understand the Tax Process",
          "order": 1,
          "blurb": "Use brackets, deductions, credits, and records correctly.",
          "studyGuideAnchor": "understand-the-tax-process",
          "itemIds": [
            "m101-fact-brackets-layers",
            "m101-fact-current-standard-deduction",
            "m101-pair-marginal-rate",
            "m101-def-tax-credit",
            "m101-mcq-tax-1",
            "m101-mcq-tax-2",
            "m101-mcq-tax-3",
            "m101-mcq-tax-4",
            "m101-mcq-tax-5",
            "m101-proc-tax-records",
            "cz-money-101-m101-def-tax-credit",
            "cz-money-101-m101-fact-current-standard-deduction",
            "mcq-c-money-101-m101-fact-current-standard-deduction",
            "tf-t-money-101-m101-pair-marginal-rate",
            "tf-d-money-101-m101-def-tax-credit",
            "fi-m101-mcq-tax-2",
            "fi-m101-mcq-tax-3",
            "fi-m101-mcq-tax-5"
          ]
        }
      ],
      "objectives": [
        {
          "id": "m101-obj-pay",
          "statement": "Read a pay statement and distinguish gross pay from net pay after employee withholding and deductions.",
          "demonstrationIds": [
            "m101-demo-pay"
          ]
        },
        {
          "id": "m101-obj-tax",
          "statement": "Explain progressive tax brackets and distinguish marginal rate, effective rate, and tax credits.",
          "demonstrationIds": [
            "m101-demo-tax"
          ]
        }
      ],
      "demonstrations": [
        {
          "id": "m101-demo-pay",
          "label": "Pay statements, withholding, and work forms",
          "itemIds": [
            "m101-mcq-pay-2",
            "m101-pair-w2",
            "m101-def-net-pay",
            "m101-mcq-pay-1"
          ],
          "requiredCorrect": 3
        },
        {
          "id": "m101-demo-tax",
          "label": "Tax brackets and filing concepts",
          "itemIds": [
            "m101-mcq-tax-2",
            "m101-pair-marginal-rate",
            "m101-def-tax-credit",
            "m101-mcq-tax-1"
          ],
          "requiredCorrect": 3
        }
      ],
      "objectiveTests": [
        {
          "id": "test-pay",
          "objectiveId": "m101-obj-pay",
          "title": "Pay statements, withholding, and work fo",
          "mcqIds": [
            "m101-mcq-pay-1",
            "m101-mcq-pay-2",
            "m101-mcq-pay-3",
            "m101-mcq-pay-4",
            "m101-mcq-pay-5"
          ]
        },
        {
          "id": "test-tax",
          "objectiveId": "m101-obj-tax",
          "title": "Tax brackets and filing concepts",
          "mcqIds": [
            "m101-mcq-tax-1",
            "m101-mcq-tax-2",
            "m101-mcq-tax-3",
            "m101-mcq-tax-4",
            "m101-mcq-tax-5"
          ]
        }
      ]
    },
    {
      "id": "m101-l8",
      "title": "Insurance and Risk",
      "order": 7,
      "studyGuidePath": "/packs/money-101/guides/l8-insurance-risk.md",
      "sources": [
        {
          "label": "HealthCare.gov — Deductible glossary",
          "url": "https://www.healthcare.gov/glossary/deductible/"
        },
        {
          "label": "HealthCare.gov — Coinsurance glossary",
          "url": "https://www.healthcare.gov/glossary/co-insurance/"
        },
        {
          "label": "NAIC — Life insurance consumer guide",
          "url": "https://content.naic.org/consumer/life-insurance.htm"
        }
      ],
      "parts": [
        {
          "id": "m101-l8p1-coverage",
          "title": "Read the Coverage",
          "order": 0,
          "blurb": "Compare premiums with deductibles, limits, networks, and exclusions.",
          "studyGuideAnchor": "read-the-coverage",
          "itemIds": [
            "m101-fact-risk-transfer",
            "m101-fact-premium-not-total",
            "m101-pair-premium",
            "m101-def-deductible",
            "m101-mcq-coverage-1",
            "m101-mcq-coverage-2",
            "m101-mcq-coverage-3",
            "m101-mcq-coverage-4",
            "m101-mcq-coverage-5",
            "m101-proc-compare-policies",
            "cz-money-101-m101-def-deductible",
            "tf-f-money-101-m101-pair-premium",
            "tf-d-money-101-m101-def-deductible",
            "fi-m101-mcq-coverage-2",
            "fi-m101-mcq-coverage-3",
            "fi-m101-mcq-coverage-4"
          ]
        },
        {
          "id": "m101-l8p2-policies",
          "title": "Match Policies to Risks",
          "order": 1,
          "blurb": "Cover the losses that could seriously disrupt the household.",
          "studyGuideAnchor": "match-policies-to-risks",
          "itemIds": [
            "m101-fact-catastrophic-first",
            "m101-fact-life-need",
            "m101-pair-term-life",
            "m101-def-disability-insurance",
            "m101-mcq-policies-1",
            "m101-mcq-policies-2",
            "m101-mcq-policies-3",
            "m101-mcq-policies-4",
            "m101-mcq-policies-5",
            "m101-proc-annual-coverage-review",
            "m101-concept-health-insurance",
            "m101-concept-auto-insurance",
            "m101-concept-homeowners-insurance",
            "m101-concept-renters-insurance",
            "m101-concept-disability-coverage",
            "m101-concept-life-insurance",
            "cz-money-101-m101-def-disability-insurance",
            "tf-f-money-101-m101-pair-term-life",
            "tf-d-money-101-m101-def-disability-insurance",
            "fi-m101-mcq-policies-1",
            "fi-m101-mcq-policies-2",
            "fi-m101-mcq-policies-3"
          ]
        }
      ],
      "objectives": [
        {
          "id": "m101-obj-coverage",
          "statement": "Interpret core insurance cost-sharing terms and compare a low-premium policy with the household's realistic worst-case exposure.",
          "demonstrationIds": [
            "m101-demo-coverage"
          ]
        },
        {
          "id": "m101-obj-policies",
          "statement": "Match common policy types to the risks they address without assuming one universal answer.",
          "demonstrationIds": [
            "m101-demo-policies"
          ]
        }
      ],
      "demonstrations": [
        {
          "id": "m101-demo-coverage",
          "label": "Premiums, deductibles, and limits",
          "itemIds": [
            "m101-mcq-coverage-2",
            "m101-pair-premium",
            "m101-def-deductible",
            "m101-mcq-coverage-1"
          ],
          "requiredCorrect": 3
        },
        {
          "id": "m101-demo-policies",
          "label": "Policy purposes and life-insurance tradeoffs",
          "itemIds": [
            "m101-mcq-policies-2",
            "m101-pair-term-life",
            "m101-def-disability-insurance",
            "m101-mcq-policies-1"
          ],
          "requiredCorrect": 3
        }
      ],
      "objectiveTests": [
        {
          "id": "test-coverage",
          "objectiveId": "m101-obj-coverage",
          "title": "Premiums, deductibles, and limits",
          "mcqIds": [
            "m101-mcq-coverage-1",
            "m101-mcq-coverage-2",
            "m101-mcq-coverage-3",
            "m101-mcq-coverage-4",
            "m101-mcq-coverage-5"
          ]
        },
        {
          "id": "test-policies",
          "objectiveId": "m101-obj-policies",
          "title": "Policy purposes and life-insurance trade",
          "mcqIds": [
            "m101-mcq-policies-1",
            "m101-mcq-policies-2",
            "m101-mcq-policies-3",
            "m101-mcq-policies-4",
            "m101-mcq-policies-5"
          ]
        }
      ]
    },
    {
      "id": "m101-l9",
      "title": "Retirement Foundations",
      "order": 8,
      "studyGuidePath": "/packs/money-101/guides/l9-retirement-foundations.md",
      "sources": [
        {
          "label": "Investor.gov — Employer-sponsored plans",
          "url": "https://www.investor.gov/additional-resources/retirement-toolkit/employer-sponsored-plans"
        },
        {
          "label": "IRS — 2026 retirement contribution limits",
          "url": "https://www.irs.gov/newsroom/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500"
        },
        {
          "label": "SSA — 2026 COLA fact sheet",
          "url": "https://www.ssa.gov/cola/factsheets/2026.html"
        }
      ],
      "parts": [
        {
          "id": "m101-l9p1-workplace",
          "title": "Start with the Workplace Plan",
          "order": 0,
          "blurb": "Understand matches, vesting, plan types, and tax treatment.",
          "studyGuideAnchor": "start-with-the-workplace-plan",
          "itemIds": [
            "m101-fact-match-rules",
            "m101-fact-tax-treatment-not-investment",
            "m101-pair-defined-contribution",
            "m101-def-vesting",
            "m101-mcq-workplace-1",
            "m101-mcq-workplace-2",
            "m101-mcq-workplace-3",
            "m101-mcq-workplace-4",
            "m101-mcq-workplace-5",
            "m101-proc-decode-plan",
            "cz-money-101-m101-def-vesting",
            "tf-df-money-101-m101-def-vesting",
            "fi-m101-mcq-workplace-2",
            "fi-m101-mcq-workplace-3",
            "fi-m101-mcq-workplace-5",
            "ot-cov-workplace-1",
            "ot-cov-workplace-2"
          ]
        },
        {
          "id": "m101-l9p2-routine",
          "title": "Build a Long-Term Routine",
          "order": 1,
          "blurb": "Automate contributions, diversify, and review dated limits.",
          "studyGuideAnchor": "build-a-long-term-routine",
          "itemIds": [
            "m101-fact-start-now",
            "m101-fact-limits-not-targets",
            "m101-pair-target-date-fund",
            "m101-def-diversification",
            "m101-mcq-routine-1",
            "m101-mcq-routine-2",
            "m101-mcq-routine-3",
            "m101-mcq-routine-4",
            "m101-mcq-routine-5",
            "m101-proc-retirement-routine",
            "m101-num-limit-401k-2026",
            "m101-num-limit-ira-2026",
            "m101-num-catchup-workplace-2026",
            "m101-num-catchup-60-63-2026",
            "m101-num-catchup-ira-2026",
            "m101-num-limit-simple-2026",
            "cz-money-101-m101-def-diversification",
            "tf-t-money-101-m101-pair-target-date-fund",
            "tf-d-money-101-m101-def-diversification",
            "fi-m101-mcq-routine-2",
            "fi-m101-mcq-routine-3",
            "fi-m101-mcq-routine-5"
          ]
        }
      ],
      "objectives": [
        {
          "id": "m101-obj-workplace",
          "statement": "Explain defined-contribution accounts, employer match, and vesting, and how Social Security differs as a separate federal program.",
          "demonstrationIds": [
            "m101-demo-workplace"
          ]
        },
        {
          "id": "m101-obj-routine",
          "statement": "Create a sustainable retirement contribution routine using diversified, target-date investments.",
          "demonstrationIds": [
            "m101-demo-routine"
          ]
        }
      ],
      "demonstrations": [
        {
          "id": "m101-demo-workplace",
          "label": "Workplace plans and retirement building blocks",
          "itemIds": [
            "m101-mcq-workplace-2",
            "m101-pair-defined-contribution",
            "m101-def-vesting",
            "m101-mcq-workplace-1",
            "ot-cov-workplace-1",
            "ot-cov-workplace-2"
          ],
          "requiredCorrect": 3
        },
        {
          "id": "m101-demo-routine",
          "label": "Retirement priorities and annual review",
          "itemIds": [
            "m101-mcq-routine-2",
            "m101-pair-target-date-fund",
            "m101-def-diversification",
            "m101-mcq-routine-1"
          ],
          "requiredCorrect": 3
        }
      ],
      "objectiveTests": [
        {
          "id": "test-workplace",
          "objectiveId": "m101-obj-workplace",
          "title": "Workplace plans and retirement building ",
          "mcqIds": [
            "m101-mcq-workplace-1",
            "m101-mcq-workplace-2",
            "m101-mcq-workplace-3",
            "m101-mcq-workplace-4",
            "m101-mcq-workplace-5",
            "ot-cov-workplace-1",
            "ot-cov-workplace-2"
          ]
        },
        {
          "id": "test-routine",
          "objectiveId": "m101-obj-routine",
          "title": "Retirement priorities and annual review",
          "mcqIds": [
            "m101-mcq-routine-1",
            "m101-mcq-routine-2",
            "m101-mcq-routine-3",
            "m101-mcq-routine-4",
            "m101-mcq-routine-5"
          ]
        }
      ]
    },
    {
      "id": "m101-l10",
      "title": "Scams and Smart Consumer Skills",
      "order": 9,
      "studyGuidePath": "/packs/money-101/guides/l10-scams-consumer-skills.md",
      "sources": [
        {
          "label": "FTC — 2025 imposter-scam and fraud-loss data",
          "url": "https://www.ftc.gov/news-events/news/press-releases/2026/06/ftc-data-show-people-reported-losing-3-point-5-billion-imposter-scams-2025"
        },
        {
          "label": "CFPB — Credit freezes",
          "url": "https://www.consumerfinance.gov/ask-cfpb/what-is-a-credit-freeze-or-security-freeze-on-my-credit-report-en-1341/"
        },
        {
          "label": "FTC — ReportFraud",
          "url": "https://reportfraud.ftc.gov/"
        },
        {
          "label": "IdentityTheft.gov — Recovery plans",
          "url": "https://www.identitytheft.gov/"
        }
      ],
      "parts": [
        {
          "id": "m101-l10p1-verify",
          "title": "Stop and Verify",
          "order": 0,
          "blurb": "Recognize pressure tactics and verify through a trusted channel.",
          "studyGuideAnchor": "stop-and-verify",
          "itemIds": [
            "m101-fact-urgency-tool",
            "m101-fact-verify-independent",
            "m101-pair-imposter-scam",
            "m101-def-phishing",
            "m101-mcq-verify-1",
            "m101-mcq-verify-2",
            "m101-mcq-verify-3",
            "m101-mcq-verify-4",
            "m101-mcq-verify-5",
            "m101-proc-verify-contact",
            "cz-money-101-m101-def-phishing",
            "tf-t-money-101-m101-pair-imposter-scam",
            "tf-df-money-101-m101-def-phishing",
            "fi-m101-mcq-verify-2",
            "fi-m101-mcq-verify-3",
            "fi-m101-mcq-verify-5"
          ]
        },
        {
          "id": "m101-l10p2-recover",
          "title": "Protect and Recover",
          "order": 1,
          "blurb": "Reduce exposure and respond quickly when fraud occurs.",
          "studyGuideAnchor": "protect-and-recover",
          "itemIds": [
            "m101-fact-freeze-purpose",
            "m101-fact-recovery-speed",
            "m101-pair-multifactor-authentication",
            "m101-def-credit-freeze",
            "m101-mcq-recover-1",
            "m101-mcq-recover-2",
            "m101-mcq-recover-3",
            "m101-mcq-recover-4",
            "m101-mcq-recover-5",
            "m101-proc-fraud-response",
            "cz-money-101-m101-def-credit-freeze",
            "tf-f-money-101-m101-pair-multifactor-authentication",
            "tf-d-money-101-m101-def-credit-freeze",
            "fi-m101-mcq-recover-2",
            "fi-m101-mcq-recover-3",
            "fi-m101-mcq-recover-5"
          ]
        }
      ],
      "objectives": [
        {
          "id": "m101-obj-verify",
          "statement": "Recognize common scam signals and use independent verification before sharing information or moving money.",
          "demonstrationIds": [
            "m101-demo-verify"
          ]
        },
        {
          "id": "m101-obj-recover",
          "statement": "Use account security and credit freezes to reduce and recover from identity and payment fraud.",
          "demonstrationIds": [
            "m101-demo-recover"
          ]
        }
      ],
      "demonstrations": [
        {
          "id": "m101-demo-verify",
          "label": "Scam signals and independent verification",
          "itemIds": [
            "m101-mcq-verify-2",
            "m101-pair-imposter-scam",
            "m101-def-phishing",
            "m101-mcq-verify-1"
          ],
          "requiredCorrect": 3
        },
        {
          "id": "m101-demo-recover",
          "label": "Prevention, freezes, and recovery",
          "itemIds": [
            "m101-mcq-recover-2",
            "m101-pair-multifactor-authentication",
            "m101-def-credit-freeze",
            "m101-mcq-recover-1"
          ],
          "requiredCorrect": 3
        }
      ],
      "objectiveTests": [
        {
          "id": "test-verify",
          "objectiveId": "m101-obj-verify",
          "title": "Scam signals and independent verificatio",
          "mcqIds": [
            "m101-mcq-verify-1",
            "m101-mcq-verify-2",
            "m101-mcq-verify-3",
            "m101-mcq-verify-4",
            "m101-mcq-verify-5"
          ]
        },
        {
          "id": "test-recover",
          "objectiveId": "m101-obj-recover",
          "title": "Prevention, freezes, and recovery",
          "mcqIds": [
            "m101-mcq-recover-1",
            "m101-mcq-recover-2",
            "m101-mcq-recover-3",
            "m101-mcq-recover-4",
            "m101-mcq-recover-5"
          ]
        }
      ]
    }
  ]
}