By challenging applicants to think critically about real-world money issues, it helps them develop better financial habits and professional skills. 

By fostering these skills early, educators can empower students to take ownership of their financial future.

If we are not aware of this relative mediocrity, it’s an indictment of our vision. If we are, it is an indictment of our character.

Additive grading is method of grading that starts all students at zero and adds points for accomplishments and mastery.