374 abilitytesting academicachievement accounting adulteducation aspectsocial attitudechange budgeting business charities christmasshopping citizenship collegestudents competency-basededucation congresses consumereducation consumerprotection consumption(economics) corruptpractices culturefinancière definedcontributionpensionplans economics education educationalevaluation educationaltestsandmeasurements educationandstate ethics finance financialization financialservicesindustry financiarisation fundraising general governmentpolicy habiletéssociales histoire history internetfraud investing investments management mathematicalability mathematics militarydependents minorities money moneymanagement oecdcountries olderpeople personal personalfinance prevention problemsolving psychologicalaspects psychology public-privatesectorcooperation qualityoflife reading richesse satisfaction science self-helptechniques socialaspects socialskills soldiers studentloans studyandteaching studyandteaching(middleschool) studyandteaching(secondary) testing wealth wealthmanagement