Common use of Table 2b Clause in Contracts

Table 2b. Sample characteristics Pre-Assessment M (SD) Post-Assessment 1 M (SD) Post-Assessment 2 M (SD) Socioeconomic status Low -0.06 (0.24) -0.12 (0.43) -0.12 (0.44) Medium 0.46 (0.17) 0.50 (0.16) 0.48 (0.18) High 1.45 (0.50) 1.43 (0.47) 1.45 (0.48) Pupils in the intervention group participated in two modules of the financial education program. The Responsible Spending module9 is taught in December and includes topics such as making choices with a limited budget, the effects of peer pressure and advertising, and estimating the prices of products (see Appendix A, for all learning objectives). The Performing Transactions module10 is taught in March and helps children to get acquainted with cash and digital money, develop a proactive attitude toward money matters, and investigate the security features of money (see Appendix B, for all learning objectives). It was not possible to counterbalance our research design because these modules are taught according to a relatively fixed learning-teaching trajectory of the schools that participate in the program. Pupils completed a test regarding their financial competencies of responsible spending and performing transactions effectively in each assessment occasion (see Appendix C). The teachers were instructed not to provide answers and not to discuss the test with the pupils over the course of the study. The validity of the test was studied in the development stage by specialists in the field of financial education, namely the Ministry of Finance of the Netherlands, the educational publisher Zwijsen, and research staff at Leiden University. 9In the financial education program, this module is labeled ‗Holidays‘. 10In the financial education program, this module is labeled ‗World of Money‘.