The Big PreTest

Imagine this! Our friend Andre has a credit card that he barely uses. One day, he checks his monthly statement and - surprise, surprise - someone's been having a shopping spree with it! He immediately reports it as stolen. Now, here's the question: What's the maximum amount of the unauthorized purchases that Andre could be held responsible for?

• A big fat zero!

• The entire amount - every single penny!

• Just $50

• Only $25

Imagine you're a character in a financial thriller and you've just filed for bankruptcy! What are you still on the hook for?

• Your swanky mansion's mortgage loans

• The tax claims and student loans from your mysterious past

• The credit card balances from your secret offshore accounts

• The car loans for your fleet of luxury cars

Why do you think term life insurance is often the least expensive type of life insurance? Any guesses?

• Could it be because the policy only pays a death benefit?

• Or is it because the policy builds cash value?

• Maybe it's because the policy provides coverage for a lifetime?

• Or could it be that the policy is available to all consumers?

Imagine Joan, a friend of yours, is thinking about opening a checking account. She's curious and asks you if checking accounts pay interest. How would you respond to her question in a fun and engaging way?

• Of course, Joan! All checking accounts are like little piggy banks, they pay some type of interest.

• Well, Joan, it's like a treasure hunt. Some types of checking accounts do pay interest.

• No way, Joan! Checking accounts are like a safe, they never pay interest.

• Joan, it's like a game. Checking accounts pay interest if the account balance does not fall below $300.00.

Imagine you're on a treasure hunt and you've found a chest full of shiny, new coins and currency! Ever wondered how these make their way into the hands of consumers and businesses? It's through the distribution system of the:

• The Treasurer of the United States, who personally delivers each coin

• The Secretary of the Department of Treasury, who signs each bill

• The Federal Reserve System, the heart of our nation's economy

• The U.S. Federal Mint, where all the magic happens

Imagine you're a stock market wizard! What's one thing that could shake up the market price of a stock you're watching?

• The company's been around since your great-grandpa's time

• The company's profits are soaring through the roof

• The company has more employees than a small country

• The company pays wages that would make a king blush

Ready for a fun fact? Let's see if you can guess this one! What exactly is this mysterious thing called a 'credit score'?

• Is it a magical number that decides how much credit someone can get?

• Or, is it a fancy measure of a person's total wealth?

• Maybe it's a reward system based on the number of credit cards one has?

• Or could it be a formula based solely on a person’s earnings?

Imagine Carmen, a savvy investor, who just sold her stock in the high-flying ABC company for a price per share that's higher than what she bought it for. What did she just experience?

• A thrilling Capital Gain

• A disappointing Capital Loss

• An unexpected Capital Surplus

• A surprising Dividend

Imagine you're a young adult, between the ages of 20 and 35, not living on a pension or social security. What do you think would be your primary source of income?

• Running your own business and making profits

• Investing in stocks and earning dividends and interest

• Being a landlord and collecting rents

• Working a job and earning salaries and wages

Imagine you're a superhero with a credit card! What action of yours would most likely cause your credit card's interest rate to skyrocket?

• Buying too many superhero gadgets

• Being late on your payments

• Financing the construction of your secret lair

• Taking too many cash advances for your missions