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Financial literacy, as a fundamental skill in the 21st century, has become a life skill that is urgently needed to be improved. Globally, the drive to enhance financial literacy involves integrating it into the education curriculum, necessitating educators' comprehensive grasp of financial literacy education before imparting it to students. This research aims to outline a conceptual model of financial literacy professional development to improve teachers' professional competence, employing a narrative review that synthesizes 28 relevant literatures retrieved from Scopus databases. The results of the study show that an effective training model for teacher professional development (TPD) in financial literacy education should focus on essential financial literacy content consisting of planning and budgeting, banking services, income and careers, insurance, investment, savings, also spending and credit. Furthermore, the main characteristics of TPD regarding financial literacy education should encompass content focus, coherence, ownership, active learning, duration, and collective participation.

This case study looks both backwards and forwards at real and potential incidents and risks created by the use of various levels of self-driving vehicles. The case provides background on autonomous vehicle technology, the legal and risk management frameworks involved, and a variety of scenarios for students to consider. The scenarios provide the foundation for discussion of autonomous vehicle introductions and operations, as well as considerations for how other new technologies may be launched.

This article examined trends in Islamic education and finance publications using bibliometric analysis. The authors used co-citation and co-word analysis to examine 449 Islamic education and finance studies from Scopus database. In the co-citation analysis, 10 themes in Islamic education and finance were identified. After that, co-word analysis is used to understand and identify each research theme's potential future research directions. The results showed that per year the average publication of articles was 2.65. There has been extensive research on this topic in the United States (US) and the United Kingdom (UK), and the most popped-up keywords are 'education', 'finance education', 'banking education' and very limited 'Islamic finance education'. Further research can be developed using Islamic jurisprudence education, Islamic insurance education, Islamic capital market education, "zakat" education and "waqf" as keywords. In addition, the study offers a visualization map of theme patterns for future studies to create educational fields for Islamic banking and finance education, particularly in Muslim-majority nations like Indonesia, Malaysia, and the Middle East. This research contributes as a foundation for further research in enriching and developing knowledge about Islamic education and finance, especially in majority countries.

As the twenty-first century advances technologically, the era is also becoming notorious for the rise of organized cybercrime and attacks on business information and operations. Company data and intellectual property are considered the "New Oil" that generates value for organizations and their constituents. With the escalating number of cybersecurity incidents, businesses--especially small and medium-sized enterprises (SMEs)--are increasingly at risk of compromise and economic debilitation. Therefore, current and future business students would benefit from awareness of unfamiliar measures, such as cyber insurance, which can potentially reduce the devastating effects of a cyber incident. In this paper, the authors describe cyber insurance, present a framework that could be incorporated into the classroom to teach risk management techniques, and provide exercise resources.

Background: Adults with traumatic brain injuries (TBI) frequently experience cognitive, emotional, physical and communication deficits that require long-term rehabilitation and community support. Although access to rehabilitation services is linked to positive outcomes, there can be barriers to accessing community rehabilitation related to system navigation, referral processes, funding, resource allocation and communications required to ensure access. Aims: This study aimed to identify barriers to accessing insurer funding for rehabilitation and healthcare services, for adults with TBI injured in motor vehicle collisions (MVCs). Methods: We used a co-design approach to collaborate with persons with lived experience to design a survey of adults who sustained a TBI in an MVC. The survey examined access to insurer funding for rehabilitation services and was disseminated through brain injury networks in Ontario, Canada. Results: Respondents (n = 148) identified multiple barriers to accessing rehabilitation services through insurer funding, including delays of more than 2 years (49%), mandatory duplicative assessments (64%) and invasion of privacy (55%). Speech-language therapy and neuropsychological services were denied most frequently. Negative experiences included insurers' poor understanding of TBI symptoms, denials of services despite medical evidence demonstrating need and unsupportive insurer interactions. Although 70% of respondents reported cognitive-communication difficulties, accommodations were rarely provided. Respondents identified supports that would improve insurer and healthcare communications and rehabilitation access. Conclusion & Implications: The insurance claims process had many barriers for adults with TBI, limiting their access to rehabilitation services. Barriers were exacerbated by communication deficits. These findings indicate a role for Speech-language therapists in education, advocacy and communication supports during the insurance process specifically as well as rehabilitation access processes in general.

It is an easily observed reality that the typical college/university student is extremely comfortable with the use of technology and particularly with the use of the Internet. The authors contend that this fact almost requires that instructors of finance classes incorporate the use of web-based financial resources into their in-class presentations as well as their out-of-class assignments. Given the proliferation of online resources and the extensive website listings in most finance textbooks, we believe the difficulty is not locating resources; instead, it is one of choosing a set of resources that can be employed in efficient and effective ways to enhance both the interest and the learning of students. This paper attempts to address this situation by discussing a textbook chapter-based online project created to familiarize students with a beneficial selection of online personal finance related services, while supporting topics generally encountered in the first personal financial planning class. A template designed to simplify grading of the student project submissions also is included.

As employability has become a more visible graduate attribute, it is becoming recognised that a better understanding of information practices in work may enable a smoother transition from university to employment. This paper discusses the current state of workplace information literacy and presents the findings of research into staff experiences of information use in a City insurance firm. A framework previously developed out of phenomenographic research into nursing is employed to draw parallels and highlight differences between insurance workplace and university student terminology. Context-specific hierarchical statements using the language of the participants are developed from coded interview texts. These statements, which are drawn together in illustrative personae, provide a rich and detailed view of the participants' experience of effective information use. It is suggested that a better understanding of language use in communities of practice would facilitate transition both between and within the communities.

Diagnostic reasoning is an important topic in General Practitioners' (GPs) vocational training. Interestingly, research has paid little attention to the content of the cases used in clinical reasoning education. Malpractice claims of diagnostic errors represent cases that impact patients and that reflect potential knowledge gaps and contextual factors. With this study, we aimed to identify and prioritize educational content from a malpractice claims database in order to improve clinical reasoning education in GP training. With input from various experts in clinical reasoning and diagnostic error, we defined five priority criteria that reflect educational relevance. Fifty unique medical conditions from a malpractice claims database were scored on those priority criteria by stakeholders in clinical reasoning education in 2021. Subsequently, we calculated the mean total priority score for each condition. Mean total priority score (min 5-max 25) for all fifty diagnoses was 17,11 with a range from 13,89 to 19,61. We identified and described the fifteen highest scoring diseases (with priority scores ranging from 18,17 to 19,61). The prioritized conditions involved complex common (e.g., cardiovascular diseases, renal insufficiency and cancer), complex rare (e.g., endocarditis, ectopic pregnancy, testicular torsion) and more straightforward common conditions (e.g., tendon rupture/injury, eye infection). The claim cases often demonstrated atypical presentations or complex contextual factors. Including those malpractice cases in GP vocational training could enrich the illness scripts of diseases that are at high risk of errors, which may reduce diagnostic error and related patient harm.

The rapid emergence of the novel coronavirus and its impact on human behavior provoked dramatic increases in human usage of a variety of systems. These increases had the potential to stress the scalability of the systems, testing whether the system owners had designed and built those systems to cope with sudden changes in demand. This case invites students to study a variety of different types of systems, and to analyze the means by which they can or did achieve scalability, and efficiently serve their customers.

When the coronavirus pandemic arrived, the United States was already deeply unequal. Before the pandemic, 140 million Americans were poor or near poor, living just one emergency above the poverty line. Inequality in the United States did not happen suddenly and cannot be explained as the consequence of individual failures; rather, decades of public policies brought the United States to this point, making the rich richer at the expense of everybody else. This article is a collaboration between the Poor People's Campaign: A National Call for Moral Revival--a moral movement rooted in the legacy of Rev. Dr. Martin Luther King Jr. that is organizing around the needs and demands of the 140 million--and the Economic Policy Institute (EPI)--an independent, nonprofit, nonpartisan organization that uses economic research and analysis to understand and improve the economic conditions of workers and their families. In this article, the authors evaluate the public policies that shaped the preexisting conditions of the pandemic, policies that were by no means accidental or morally neutral, and lay out the policies that are needed to counter and reverse the status quo, including the heightened suffering from the pandemic.

Background: Through the filtering of information, the creation, and reinforcement of stereotypes, media moulds attitudes and set agendas on critical social issues including public policy and disability. Methods: This study explored Australian media representations of the care of people with intellectual disability during a crucial period in disability policy change: the National Disability Insurance Scheme (NDIS) rollout (2013-2018). Search criteria identified 168 news stories, examined via content analysis and news framing. Results: Four major issues were identified: Roles and responsibilities of government; housing; mistreatment of persons with intellectual disability, and responsibility of care for families. Stories tended to be presented negatively, however, regional and local/community metropolitan stories were more balanced or positive compared with major metropolitan stories. Conclusion: Despite significant disability policy change, media presentations continue to reinforce stereotypes of people with intellectual disability and position the government as one continuing to fall short in critical areas of funding, safety, and support.

A randomized experiment that measures the impact of a social policy in a sample of the population reveals whether the policy will work on average with universal application. An experiment that includes only the subset of the population that volunteers for the intervention generates narrower "proof-of-concept" evidence of whether the policy can work for motivated individuals. Both forms of learning carry value, yet evaluations rarely combine the two designs. The U.S. Social Security Administration conducted an exception, the Benefit Offset National Demonstration (BOND). This article uses BOND to examine the statistical power implications and potential gains in policy learning--relative to costs--from combining volunteer and population-representative experiments. It finds that minimum detectable effects of volunteer experiments rise little when one adds a population-representative experiment, but those of a population-representative experiment double or quadruple with the addition of a volunteer experiment.

Disasters affect individuals psychologically and some individuals take a long time to get rid of this effect. Psychological resilience is defined as the individuals having a psychologically strong structure, being affected by negative situations as little as possible and getting rid of stressful situations quickly. The aim of this study is to determine the psychological resilience level of individuals living in Çanakkale. Connor-Davidson Resilience Scale was used to determine the participants' resilience level. Participants in the study are 412 individuals, aged between 18 and 60, who are determined by the simple random sampling method living in the Central District of Çanakkale. The data were analyzed using SPSS 21 software. Cronbach's Alpha reliability coefficient of the scale was found to be 0.92. The mean of the psychological resilience level was 3.75. Results showed that the most psychologically resilient people are males, high school graduates, individuals between the ages of 29-39, divorced, those who do not have children, those with a monthly income of more than 3001 TL, those with natural disaster insurance and those who are previously faced a disaster.

This paper explores the Centre for Insurance, Risk and Data Analytics Studies (CIRDAS) as a case study of online adult education which offers flexible upskilling and reskilling opportunities to employees across the Irish insurance sector. It explores how CIRDAS's agile programme development enabled flexible entry, exit and progression routes for work-based learners. It took an innovative approach to the co-creation of programmes with industry representatives and the granular transversal nature of micro-credentials they offered. The experience of learners is shared to demonstrate the effectiveness of CIRDAS in meeting both employer and learner needs for flexible, stackable work-based learning.

Automobile Insurance fraud costs the insurance industry billions of dollars annually. This case study addresses claim fraud based on data extracted from Alpha Insurance's automobile claim database. Students are provided the business problem and data sets. Initially, the students are required to develop their hypotheses and analyze the data. This includes identification of any missing or inaccurate data values and outliers as well as evaluation of the 22 variables. Next students will develop and optimize their predictive models using five techniques: regression, decision tree, neural network, gradient boosting, and ensemble. Then students will determine which model is the best fit providing consideration of the misclassification rate, average square error, or receiver operating characteristic (ROC). Lastly, students will generate predictive scores for the claims and evaluate the result using SAS Enterprise Miner™. Ultimately, the goal is to build an optimal predictive model to determine which of the automobile claims are potentially fraudulent.

This study compares the financial knowledge of Korean (N = 1006) and German (N = 1346) university students. The country-specific adaptations of the US-American Test of Financial Literacy was used to assess financial knowledge. Financial knowledge can be divided into three areas (everyday money management; banking; insurance). German students show a slightly higher knowledge of everyday money management and insurance. Korean students tend to be stronger in the area banking. The paper examines the impact of gender on financial knowledge and the role of financial information gathering. A gender difference is determined in Germany, but not in Korea. Male students in Germany score higher than female students. An analysis of variance shows that Korean as well as German students who inform themselves more frequently about financial topics achieve a higher financial knowledge score. The article shows that it is possible to validly measure financial knowledge in Germany and Korea, which have different economic systems.

Recent research demonstrates that personal mortality salience from annuity contemplation generates an avoidance response, reducing interest in purchasing annuities. However, theoretical models of mortality salience also predict an increased desire for investment in the future circumstances of surviving others ("symbolic immortality"), such as that provided by bequest provisions in an annuity contract. An experimental test confirms that those exposed to higher levels of personal mortality reminders exhibit a greater preference for an annuity paying lower income but with a bequest provision. Thus, the effects of mortality salience can drive annuity decisions, not only at the extensive margin (avoidance of any purchase), but also at the intensive margin (purchasing lower income by including a bequest provision).

School plants are indispensable for effective realization of school goals and objectives. This is because the successful implementation of school curriculum is dependent on the school plants, which refer to the physical facilities available in the school system, that are provided in the school. The insurance of school plants serves as a means of safeguarding them in the event of risks. This paper therefore looked at the place of insurance company in school plants in Nigeria. The paper examined some concepts on the key terms, the components of school plants, the advantages of insuring school plants, the challenges faced by insurance company in the events of insuring school plants in Nigeria and proffered solutions. The paper concluded that in the event of damages and other hazards to school plants, insurance companies will be held responsible for the renewing, repair and reconstruction of school plants in the school. Finally, the paper suggested the following among others that government at the different levels i.e. Federal, State and Local should enforce the insurance of school plants for both government and private schools.

The purpose of this study is to describe the actions taken by college students to face their future retirement. For this, the test designed by the National Commission for the Protection and Defense of Financial Services Users (CONDUSEF) in Mexico was used, which has items related to financial knowledge, specifically topics about savings, emergency funds and life insurance, among others. The instrument was applied to 60 UPAV college students of different levels, during the school cycle of February-August 2018, in the city of Xalapa, Veracruz; it should be noted that the range of age was older than 21 but younger than 23 years old. The descriptive analysis showed results that lead us to believe that students have emergency funds (53%) but these are used to face unexpected situations (59%); also, students do not have life insurance, which could be concerning in their personal and family life if/when they have to face a present or future illness. Regarding car insurance, most of the respondents stated that they do not own one, besides considering it an unnecessary expense. One of the study limitations was the surveyed population; hence the need to widen this research to encompass more students from such geographical area in order to obtain a wider outlook of said behavior.

The goal of this research is to describe an active learning opportunity that was conducted as a community service offering through our Center for Cybersecurity Education and Applied Research (CCEAR). As a secondary goal, the participants sought to gain real world experience by applying techniques and concepts studied in security classes. A local insurance company tasked the CCEAR with assembling a team of students to conduct penetration testing (including social engineering exploits) against company personnel. The endeavor allowed the insurance company to obtain information that would assess the effectiveness of employee training with regard to preventing the divulgence of sensitive information. The team of students assembled organized, planned and executed all penetration testing. This academic opportunity allowed the students to build experience transacting the social engineering while laying the groundwork for future projects that will allow additional students to build and expand the process outlined in this study.

Purpose: The present article provides a narrative review of Australia's approach toward acquired brain injury (ABI) and proposes how Australia and the United States can collaborate to improve service delivery for persons with ABI and their families with epidemiology, healthcare, prevention, research, and training. Method: A narrative review of journal articles, government documents, and websites was completed to present a broad overview of Australia's approach toward meeting the needs of persons with ABI. Results: The narrative review and synthesis of publications were summarized into the following categories: a) overview of ABI in Australia, b) long-term care government programs, c) services and advocacy, d) research and training, and e) recommendations for Australian-U.S. collaborations. Conclusion: The current time presents an opportunity for Australia and the United States to collaboratively address areas of common ABI need by dialogue, collaboration, and academic engagement, which may lead to better outcomes for persons with ABI by the sharing of research findings, service approaches, advocacy efforts, and rehabilitation counselor training. Rehabilitation counselors in Australia and the United States should lead the process of collaboration and engagement around common areas of ABI need.

This article demonstrates how, and provides all necessary material, to utilize experiential classroom integration of an earthquake insurance policy as an engaging and immersive tool to introduce business law students to applied contract analysis and interpretation. Students also gain an understanding of insurance concepts through this exercise. This exercise engages students in collaborative problem-solving via a small group project and is designed for use in a single class session, combining teamwork, communication, and contract analysis skills. Through detailed detective work to locate relevant contract terms and application of various factual scenarios, this project involves the applied development of problem-solving skills associated with multiple scenarios and reinforces logic practices by requiring students to justify their conclusions. Most importantly, students gain skills in navigating a complex contract like an insurance policy that translate into a valuable talent for the nascent businessperson.

This study investigates the Asymmetric Information Management (AIM) technique's ability to detect fraudulent insurance claims submitted online. The AIM instructions inform claimants that, inter alia, more detailed statements are easier to accurately classify as genuine or fabricated. To test this, truth tellers (n = 55) provided an honest statement about a lost or stolen item, while liars (n = 53) provided a false claim. All claimants were randomly assigned to either receive the control or AIM instructions. We found that truth tellers provided more information in the AIM condition (compared to the control condition), and discriminant analysis classificatory performance was improved slightly. Unfortunately, the AIM instructions had little effect on the amount of information liars provided. Thus, the AIM technique is useful for supporting truth tellers to be more detailed, but more work needs to be conducted to assess why liars in this study did not adapt a withholding strategy.

When looking at career interventions, one-on-one career counseling is one of the most effective and firmly established types of intervention. Furthermore, career counseling process quality has been validated as a predictor of job seekers' reemployment. To elucidate the underlying components of a high-quality counseling process, the effects of counselor behavior in mandatory counseling sessions at three Swiss job centers are investigated. Based on a transfer of psychotherapeutic effectiveness research into the domain of career counseling, three behavior categories are proposed as components of a high-quality counseling process: providing structured guidance during the counseling process, providing personalized support, and activating job seekers' resources. Scientific observers rated these counselor behavior categories in 32 counseling sessions. The ratings of "providing structured guidance" predicted job seekers' reemployment speed at a correlation of 0.58. The measured effect equals yearly savings of 831 million Swiss Francs CHF (US$839) in Swiss unemployment benefits. The correlations with the other two behavior category ratings were in the same direction but nonsignificant.