Ohio standards alignment

• Economics and Financial Literacy · Content Statement 18

  Partially covered

  Different costs and benefits are associated with saving and investing alternatives.

  Covered by

  • Retirement: the Plan, the Fee Disclosure, and the Floor

  • · 9 · The fee disclosure is a document somebody is required to hand you
  • · 10 · What you actually paid, and the sentence the rule makes them print
  • · 11 · A hypothetical, and why it is not a projection
  • · 13 · Traditional and Roth are a question about when, not what
  • · 14 · Your employer's decision reaches into your own account
  • · 15 · Where the annual numbers actually come from
  • · 3 · The plan document governs, and you may ask for it in writing
  • · 5 · The match is compensation with a condition, not a return
  • · 6 · Vesting is a retention device, and the statute caps how long it can run
  • · 7 · What leaving does, and the four things that can happen next

  What we do and don't cover: Partial, and the split runs straight down the middle of the standard's own phrase. THE COST SIDE IS TAUGHT IN DEPTH, and taught from the rule that produces the numbers rather than as a generality: 29 CFR 2550.404a-5 requires a participant-directed plan to disclose each designated alternative's total annual operating expenses BOTH as a percentage and as a dollar amount for each 1,000 dollars invested, to separate plan-wide administrative expenses from individual expenses, to report at least quarterly the dollar amount actually charged with a description of the services it bought, and to state in the plan's own words that the cumulative effect of fees can substantially reduce the growth of a participant's account. The course then works that arithmetic on a labelled hypothetical with growth stripped out entirely, so the shape of a percentage-of-assets cost is visible without any rate of return being implied. THE ALTERNATIVES COMPARED ARE ACCOUNT TYPES, NOT INVESTMENTS: traditional against Roth treatment as a tax-timing trade (26 U.S.C. 219(a) against 408A), an employer plan against an individual account including the active-participant rule at 219(g) that links the two, and the employer match read as compensation carried on a vesting schedule. NOT TAUGHT AT ALL, and a teacher planning the rest of CS 18 must supply it: risk, return, diversification, and every investment product. MONEY-07 says in prose in three separate lessons that it gives no financial advice, names no product or provider, and projects no return.

What we don't claim

A standards page is only worth reading if the omissions are honest too. We looked at these and left them out:

• Mathematics — nothing. This catalog does no mathematics instruction, so it meets no Ohio mathematics standard.
• Science — nothing, on purpose (and Ohio is not an NGSS state). We verified against Ohio's own 2018 science document rather than assuming: Ohio writes its own science standards, not NGSS. But Ohio publishes its HIGH-SCHOOL science courses (Environmental Science, Physical Geology, Biology, Chemistry, Physics) as bare topic outlines — for example the entire climate item reads only "ENV.GP.3: Climate change" — with the full content statements "being updated ... once the revised Model Curriculum is adopted." Only Ohio's K-8 grades carry full-sentence content statements, at the wrong grade level for this adult catalog. Our rule is verbatim-or-nothing and the finder rejects standard text under ~40 characters, so there is no citable Ohio high-school science standard to map. The climate-and-resources content the NGSS states pick up through HS-ESS3-1 maps instead to Ohio social studies (Modern World History CS 28, Contemporary World Issues CS 11, World Geography CS 4).
• American Government standards checked and rejected. CS 2 (political parties, interest groups, and the media as civic-involvement channels — our media-literacy work is consumer protection, not political-media analysis), CS 6 (the Federalist and Anti-Federalist Papers framing the ratification debate, as texts), CS 10 (the suffrage amendments as civil-rights extensions, taught as constitutional law), and CS 21 (the Federal Reserve and monetary policy) are not genuinely taught, so we do not claim them.
• Economics — the financial-literacy half, superseded in part now that one cost standard is taught. This entry used to reject the whole financial-literacy half of Ohio's economics course. That changed on 2026-08-29 and the correction is recorded here rather than deleted: CS 18, different costs and benefits associated with saving and investing alternatives, is now claimed as a partial, on its cost half only, and its own entry says exactly what is and is not covered. Everything else in that half stays unclaimed and is named so the gap stays visible. Working and earning (CS 11-12), the personal-finance planning standards (CS 13-15), the rest of saving and investing (CS 16, 17 and 19), credit and debt (CS 20-22), risk management and insurance (CS 23-25), and the economic-data and market-competition standards (CS 1-3, 6-7) were all checked and are not taught. CS 19 is the sharpest refusal of the set: it asks how banks, brokerages and insurance companies provide access to certificates of deposit, stocks, bonds and mutual funds, and this catalog teaches no investment product of any kind. CS 22, consumer protection laws providing financial safeguards, is a genuine candidate that several courses in the personal-money series could back, and it is left unclaimed here only because no pass has yet done that analysis for Ohio; that is a deferral rather than a judgement. Ohio's CS 4, by contrast, is the economic-systems standard Arizona and California lacked, and we claim it.
• American History beyond the labor, migration, Prohibition, and New Deal-labor standards. American History is a 1877-to-present survey (Content Statements 1-33). This catalog teaches U.S. history in specific places — the Gilded Age labor movement, Jim Crow, the Great Migration and Harlem Renaissance, Prohibition, and the Wagner Act — not as a survey, so the imperialism/foreign-affairs, world-war, Cold War, and post-Cold War content statements are not claimed.
• The AI-literacy ladder, the language courses, and Learning How to Learn — deferred, not denied. Ohio's closest frameworks (Computer Science, World Languages, Technology) have not been fetched and verified this pass. Our rule is fetch-or-don't-cite, so these courses carry no Ohio claims here.