High School · Grades 10–12 · Ages 15–18

Adult decisions, rehearsed before they are real.

Within a few years of graduation, your students will sign for a credit card, an insurance policy, maybe a loan. The final stage of the program is a rehearsal space for exactly those signatures — run on one discipline throughout: mechanism, never forecasting. We teach how the machine works. Nobody on our pages predicts a market.

Flagship unit · Grades 11–12

The Price of Time, Risk and Trust

Ten 50-minute sessions on the market that prices every promise: what a bond is, why its price and its yield move in opposite directions (students derive the rule themselves — it is never just asserted), what the yield curve says about collective expectations, and how a central-bank decision travels, link by link, into a household's loan payment.

Students plot a real, current yield curve by hand, read the spread between government bonds in two countries — explicitly not a ranking of national worth — and sit a 40-minute written capstone: read this week's actual market and explain, in plain language, what it says and what it cannot say. Forecasting forfeits marks. That is the point.

Grade 12 closes the program with the capstone plan — every student builds, defends and presents a personal financial plan — plus Think Like a Pro, a module on risk management and the psychology of professional decision-making: losses, probabilities, fear and greed.