Importance of economics and personal finance education / John E. Clow -- Allocation of resources / Jody Hoff -- Economic systems and institutions / Martha C. Yopp -- Market structures, pricing, and productivity / Paul Johnson -- The role of government / Judee A. Timm -- Global economic concepts / Chia-An Chao, Aruna Chandra -- Aggregate supply and aggregate demand / Stephen L. Jackstadt -- Personal decision-making / Heidi Perreault -- Earning and reporting income / David J. Hyslop, D.J. Kern-Blystone -- Managing finances and budgeting / Teresa Yohon, Cyril Kesten -- Saving and investing / Beryl C. McEwen, Thaddeus McEwen -- Buying goods and service / Lisa Gueldenzoph Snyder -- Banking and financial institutions / Tena B. Crews, Wanda L. Stitt-Gohdes -- Using credit / Betty J. Brown, George A. Mundrake -- Protecting against risk / Judith P. Sams.