I offer to pay you $200 in one year if you give me $190 today. Good deal or bad deal? It’s the kind of math problem you might encounter in real life, _________, say, whether the cosecant (余割) of a 30-degree angle is 1 or 2. You can imagine students _________ their spirits and paying attention when they realize that they need to know algebra (代数) to avoid being cheated on a loan. Math and personal finance make a _________ fit. Students grasp concepts in math much better when they see how those subjects _________ their daily financial lives.

A survey in 2022 funded by the Bill and Melinda Gates Foundation found that 61 percent of parents of students said math education should be “relevant to the real world” _________ that only 21 percent said it was. The drive for relevance goes beyond K-12 education. Some of America’s top universities are _________ personal finance into their curriculums.

Harvard has a personal finance course in the _________ department that’s taught by John Campbell, a past president of the American Finance Association. “_________, personal finance was regarded as a very sort of hands-on skill that you might teach to people who were going to a technical high school,” he told me. “There is, I would say, a modern movement to _________ of personal finance as a subject with actually a lot more intellectual content.”

In most high schools, personal finance classes are light on math, and math classes are __________ in personal finance. The FiCycle curriculum has plenty of each. “The personal finance component is incredibly __________ for our high school students,” Philip Dituri, the director of education at Financial Life Cycle Education, who has a doctorate in math education, told me. He believed that quite a lot of students would be stimulated by the __________.

There is a __________ standard for personal finance education that was put together by the Council for Economic Education and the JumpStart Coalition for Personal Financial Literacy. It emphasizes how to __________ one’s finances. FiCycle focuses more on the underlying concepts. It’s about “how and why individuals and households transfer consumption over time,” Financial Life Cycle Education says.

In conclusion, the integration of math and personal finance in education is not just an academic pursuit, but a __________ necessity for students to guide their real life. It is time for educational institutions to take note and adapt their curricula to better prepare students for the financial challenges of adulthood.

Shanghai Is Full Speed Ahead

After decades of experience in the field, Shanghai is strengthening its reputation as a global leader in     1     top-level, professional sports events.

Last month’s Shanghai Sailing Open, held from March 26—31 on Dishui Lake, was a typical example of the city’s world-famous excellence, attracting over 300 competitors, including a six—time world champion of Poland, a gold medalist at the Hangzhou Asian Games, and China’s former Olympic champion Xu Lijia;     2     in sailboats and yachts, sailors sang praise on the competition environment and overall atmosphere of the event.

Shanghai’s     3     to developing its sports scene has been key to this success. In 2015, the Shanghai government     4     a plan to speed up the development of its sports industry, including a proposal to develop the city into a world-renowned sports hub within 10 years.

According to the “2023 Shanghai sports event influence     5     report”, Shanghai held 118 major sports events last year, with 36 of those international-level events, including the ATP 1000 Shanghai Masters, the Shanghai Marathon, and the Shanghai Half Marathon, which were rated as the city’s most     6     sports events last year.

This year, besides the recent Shanghai Sailing Open and various district-organized half marathon events, the city will continue to     7     sports competitions such as the Shanghai Half Marathon, the Formula 1 Chinese Grand Prix, the ABB FIA Formula E World Championship, and the Olympic Qualifier Series.

The success of sports development in Shanghai is closely     8     to a policy of top-level construction. In addition to top—level international competitions, top—tier home teams, and professional leagues, brand events are staged year-round to     9     the city’s characteristics. Linking sports with culture, commerce, tourism, and exhibitions is another feature of the city’s sports environment, helping to     10     maximize the economic benefits. Spectators can expect to be treated to the very best in urban sports and that organizers will strive to provide a warm atmosphere of sports, art, music, and culture.

Signs You Are Eating Pre-Made Food at a Restaurant

Even at fine dining restaurants, serving pre-made food is a common practice most regular customers are not aware of. So how can you know for sure your food was made     1     you ever sat down at your table? Here’s how to tell if the food you’re eating is fresh.

You may be excited to see your waitress approaching with your food not long after you order it, but the biggest sign     2     you’re dinning at a restaurant serving pre-made food is how quickly your food arrives at the table.

A freshly prepared meal that’s made for people     3    (order) takes time. What doesn’t take much time is reheating pre-made food,     4     is often done at fast-food restaurants.

An extensive menu means the chef     5     have all those ingredients on-hand, which makes it difficult to guarantee freshness along with timeliness. To solve this problem, chefs often use pre-made food. That can range from already packaged products     6     preparing the meals in advance, but either way, they’re getting a head start, and the quality of your meal may suffer from     7    .

Often enough, the establishment you     8    (dine) at is the first indicator that your meal is pre-made. Choosing a chain restaurant for your dining destination may seem like a safe choice, for you know what’s on the menu and you know     9     it’s going to taste like, no matter what city you’re in.

Say you’re at a restaurant and you order a steak. You wait in anticipation, watering at the thought of     10    (slice) into a juicy steak. Your order arrives, and it looks just like you imagined it would, except for the taste. That’s probably because your steak hit the microwave before it hit your plate!