Seek
$$
Seek Find This Picture
The Answer in the Exhibit
Much of what we think we need—or even just want—ends up collecting dust in storage. How much do Americans spend on self-storage each year? A. More than double the combined expenditures of all public libraries in the U.S. B. $10 billion C. About 5% of the value of all the gold in Fort Knox D. All of the above
EXPLORE MORE: Spend wisely: www.mymoney.gov/spend/Pages/spend.aspx Play Celebrity Calamity and learn to manage spending: www.financialentertainment.org/play/celebritycalamity.html Become a smart shopper: www.smartaboutmoney.org/Tools-Resources/10-Basic-Steps/Shop-Smarter
For answers and easy access to the Explore More resources, visit www.ala.org/tmseekandfind.
1
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Seek Find This Picture
The Answer in the Exhibit
Among those targeted by fraudsters, who are more likely to lose money? A. B. C. D.
People 65 and older Inexperienced young investors People with very public social media profiles Gamers
EXPLORE MORE: Become a fraud fighter: www.saveandinvest.org/protect-your-money Ask and check before putting your money at risk: www.finra.org/investors/ask-and-check Outsmart investment fraud. Watch Trick$ of the Trade: www.saveandinvest.org/tricks-of-the-trade Are you at risk of financial fraud? Find out: www.saveandinvest.org/meters/risk Protect your identity and recover from identity theft: www.consumer.ftc.gov/features/feature-0014-identity-theft
$
$
For answers and easy access to the Explore More resources, visit www.ala.org/tmseekandfind.
2
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Seek Find This Picture
The Answer in the Exhibit
Why should you pay your credit card balance in full each month? A. B. C. D.
To earn credit card rewards To save on taxes To impress your friends To avoid paying interest
EXPLORE MORE: Get answers about credit cards: www.consumerfinance.gov/askcfpb Calculate the cost of paying off debt over time: www.myarmyonesource.com/data/Calculators/Debt_Payoff/DebtPayoff.html Borrow wisely: www.mymoney.gov/borrow/Pages/borrow.aspx See how fast credit card interest can grow: www.saveandinvest.org/video/credit-cards-and-budgeting Especially for Educators and Parents: What to know before choosing a credit card: www.saveandinvest.org/file/document/money-math-choose-credit-card
$
$
For answers and easy access to the Explore More resources, visit www.ala.org/tmseekandfind.
3
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Seek Find This Picture
The Answer in the Exhibit
What is choice overload? A. When you overspend as a result of too many tempting choices B. When you fail a multiple choice test C. When having too many options causes you to make a bad choice, or no choice at all D. When your smartphone crashes due to multitasking
EXPLORE MORE: Investigate the psychology behind our best and worst financial decisions. Watch Thinking Money: www.saveandinvest.org/thinking-money-documentary-full Explore cutting edge behavioral finance research: www.rand.org/labor/centers/befi.html Learn what buying jam reveals about saving for retirement: www.saveandinvest.org/saving-retirement-jam
For answers and easy access to the Explore More resources, visit www.ala.org/tmseekandfind.
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4
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Seek Find This Picture
The Answer in the Exhibit
What’s a key benefit of attaining a four-year college degree? A. You’ll be able to cover the cost of raising triplets B. The 8:00 a.m. classes C. You will likely earn 62.5% more than those with only a high school diploma D. You won’t have to save for retirement, because you’ll receive a good pension
EXPLORE MORE: Get started with college savings: www.finra.org/investors/saving-college Learn to love your money while in college: www.loveyourmoney.org Explore careers and their entry requirements and earning potential: www.bls.gov/k12/content/students/careers/career-exploration.htm
For answers and easy access to the Explore More resources, visit www.ala.org/tmseekandfind.
$
5
$
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Seek Find This Picture
The Answer in the Exhibit
Your credit score:
A. Tells lenders how likely you are to pay back the money you want to borrow B. Is the same thing as your credit report C. Is based, in part, on your grades in school D. Reflects your average annual income
EXPLORE MORE: Watch Time to Check Your Credit Report: www.consumer.ftc.gov/articles/0155-free-credit-reports Order a free copy of your credit reports: www.annualcreditreport.com Get answers about credit reports and credit scores: www.federalreserve.gov/creditreports
For answers and easy access to the Explore More resources, visit www.ala.org/tmseekandfind.
$
6
$
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Seek Find This Picture
The Answer in the Exhibit
Imagining yourself in the future is challenging—whether it’s a few years or a few decades down the road. Preparing for that future is no less difficult. What percentage of U.S. adults have figured out their retirement savings needs? A. B. C. D.
Nearly all Between 65% and 85% Well under half—only 39% None, because Social Security covers all retirement needs
EXPLORE MORE: Learn retirement lessons from vampires. Play Bite Club: www.financialentertainment.org/play/biteclub.html Manage money throughout life. Play Moneytopia: www.finra.org/investors/moneytopia-game-and-tutorials Your mission: solve a lifetime of financial challenges. Play the Gen i Revolution: www.genirevolution.org
For answers and easy access to the Explore More resources, visit www.ala.org/tmseekandfind.
$
7
$
$$
Seek Find This Picture
The Answer in the Exhibit
The impact of compound interest can be dramatic. If you save $25 a week at 5.5% interest compounded monthly, how much will you have after 10 years? A. B. C. D.
$10,000 $17,000 $47,000 $30,000
EXPLORE MORE: Watch how money grows with compound interest: www.saveandinvest.org/video/power-compound-interest Determine how much to save to reach your goal, with an assist from compound interest: www.saveandinvest.org/savingscalculator Visualize compound interest: www.econedlink.org/tool/2/Compound-Interest-Calculator Especially for Educators and Parents: Learn about earning interest: Middle school: www.saveandinvest.org/file/document/intro-earning-interest-middle-school Grades 9–10: www.saveandinvest.org/file/document/intro-earning-interest-grades-9-10 Grades 11–12: www.saveandinvest.org/file/document/intro-earning-interest-grades-11-12
$
$
For answers and easy access to the Explore More resources, visit www.ala.org/tmseekandfind.
8
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Seek Find This Picture
The Answer in the Exhibit
When budgeting, it’s important to distinguish between what we really need and what we would merely like to have. But our list of “needs” always appears to be changing. Consider the microwave oven. Between 1996 and 2006, the percentage of people viewing it as a necessity: A. B. C. D.
Fell sharply, because everybody started grilling outdoors More than doubled Declined as the number of TV cooking shows increased Increased by about 15%
EXPLORE MORE: Play Groove Nation and dance your way to a budget: www.financialentertainment.org/play/groovenation.html Become a saver: www.americasaves.org Get started with your own budget using this worksheet: www.saveandinvest.org/SpendingPlan Watch what happens when your “wants” get in the way of your “needs”: www.saveandinvest.org/video/movin-out Especially for Educators and Parents: Be realistic about what your needs and wants really cost: www.saveandinvest.org/file/document/money-math-true-car-cost
$
$
For answers and easy access to the Explore More resources, visit www.ala.org/tmseekandfind.
9
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Seek Find This Picture
The Answer in the Exhibit
When the fraudster claims that “there are just a couple of ships left” to invest in, what red flag should the travelers see? A. B. C. D.
The Phantom Menace Scarcity Source credibility The flag of Switzerland
EXPLORE MORE: Match wits with fraudsters. Play Con ’Em if You Can: www.conemifyoucan.org Avoid scams and be safe online: www.onguardonline.gov Is this investment possibly a scam? Find out: www.saveandinvest.org/meters/scam Protect your money: www.finra.org/investors/protect-your-money Report fraud: www.saveandinvest.org/protect-your-money/report-fraud
$
$
For answers and easy access to the Explore More resources, visit www.ala.org/tmseekandfind.
10
$$
Seek Find This Picture
The Answer in the Exhibit
Ella is certain she knows how to navigate through financial turbulence. She is exhibiting which financial bias? A. B. C. D.
Loss aversion Superman complex, or overconfidence Following the herd Wonder Woman complex
EXPLORE MORE: Check to see if your financial confidence matches your financial know-how: www.usfinancialcapability.org/quiz.php Test your investing knowledge: www.finra.org/investors/investor-knowledge-quiz Learn what drives your financial decisions: www.smartaboutmoney.org/Tools-Resources/LifeValues-Quiz
For answers and easy access to the Explore More resources, visit www.ala.org/tmseekandfind.
$
11
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Seek Find This Picture
The Answer in the Exhibit
Which of these expenses are not emergencies and belong in your regular budget? A. B. C. D. E.
Utilities, such as electricity, phone, and water bills Groceries Back-to-school supplies Entertainment All of the above
EXPLORE MORE: Manage resources and prepare for financial emergencies. Play Farm Blitz: www.financialentertainment.org/play/farmblitz.html Cope with debt: www.consumer.ftc.gov/articles/0150-coping-debt See why it’s important to have an emergency savings fund: www.saveandinvest.org/video/emergency-savings-fund Especially for Educators and Parents: Learn how to build an emergency fund: www.saveandinvest.org/file/document/money-math-emergency-fund
$
$
For answers and easy access to the Explore More resources, visit www.ala.org/tmseekandfind.
12
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Seek Find This Picture
The Answer in the Exhibit
A rainy day fund should be used only for emergencies. Which three of these events could be considered a financial emergency? A. B. C. D. E.
Replacing a worn-out roof after 25 years Job loss Routine auto maintenance Rebuilding after a weather disaster Unexpected healthcare expenses
EXPLORE MORE: Know your benefits during times of need: www.benefits.gov Manage the impact of an unexpected job loss: www.finra.org/joblossalert Be resilient when disaster strikes: www.community.fema.gov Get help with housing challenges: www.makinghomeaffordable.gov
$
For answers and easy access to the Explore More resources, visit www.ala.org/tmseekandfind.
13
$
Seek Find Answer Key 1. Much of what we think we need—or even just want—ends up collecting dust in storage. How much do Americans spend on self-storage each year? A. More than double the combined expenditures of all public libraries in the U.S. B. $10 billion C. About 5% of the value of all the gold in Fort Knox D. All of the above 2. Among those targeted by fraudsters, who are more likely to lose money? A. People 65 and older B. Inexperienced young investors C. People with very public social media profiles D. Gamers
8. The impact of compound interest can be dramatic. If you save $25 a week at 5.5% interest compounded monthly, how much will you have after 10 years? A. $10,000 B. $17,000 C. $47,000 D. $30,000 9. When budgeting, it’s important to distinguish between what we really need and what we would merely like to have. But our list of “needs” always appears to be changing. Consider the microwave oven. Between 1996 and 2006, the percentage of people viewing it as a necessity: A. Fell sharply, because everybody started grilling outdoors B. More than doubled C. Declined as the number of TV cooking shows increased D. Increased by about 15%
3. A. B. C. D.
Why should you pay your credit card balance in full each month? To earn credit card rewards To save on taxes To impress your friends To avoid paying interest
4. A. B. C.
What is choice overload? When you overspend as a result of too many tempting choices When you fail a multiple choice test When having too many options causes you to make a bad choice, or no choice at all D. When your smartphone crashes due to multitasking 5. A. B. C.
What’s a key benefit of attaining a four-year college degree? You’ll be able to cover the cost of raising triplets The 8:00 a.m. classes You will likely earn 62.5% more than those with only a high school diploma D. You won’t have to save for retirement, because you’ll receive a good pension 6. Your credit score: A. Tells lenders how likely you are to pay back the money you want to borrow B. Is the same thing as your credit report C. Is based, in part, on your grades in school D. Reflects your average annual income 7. Imagining yourself in the future is challenging—whether it’s a few years or a few decades down the road. Preparing for that future is no less difficult. What percentage of U.S. adults have figured out their retirement savings needs? A. Nearly all B. Between 65% and 85% C. Well under half—only 39% D. None, because Social Security covers all retirement needs
10. When the fraudster claims that “there are just a couple of ships left” to invest in, what red flag should the travelers see? A. The Phantom Menace B. Scarcity C. Source credibility D. The flag of Switzerland 11. Ella is certain she knows how to navigate through financial turbulence. She is exhibiting which financial bias? A. Loss aversion B. Superman complex, or overconfidence C. Following the herd D. Wonder Woman complex 12. Which of these expenses are not emergencies and belong in your regular budget? A. Utilities, such as electricity, phone, and water bills B. Groceries C. Back-to-school supplies D. Entertainment E. All of the above 13. A rainy day fund should be used only for emergencies. Which three of these events could be considered a financial emergency? A. Replacing a worn-out roof after 25 years B. Job loss C. Routine auto maintenance D. Rebuilding after a weather disaster E. Unexpected healthcare expenses
Seek Find This Picture
The Answer in the Exhibit
Much of what we think we need—or even just want—ends up collecting dust in storage. How much do Americans spend on self-storage each year? A. More than double the combined expenditures of all public libraries in the U.S. B. $10 billion C. About 5% of the value of all the gold in Fort Knox D. All of the above
EXPLORE MORE: Spend wisely: www.mymoney.gov/spend/Pages/spend.aspx Play Celebrity Calamity and learn to manage spending: www.financialentertainment.org/play/celebritycalamity.html Become a smart shopper: www.smartaboutmoney.org/Tools-Resources/10-Basic-Steps/Shop-Smarter
For answers and easy access to the Explore More resources, visit www.ala.org/tmseekandfind.
1
$
$$
Seek Find This Picture
The Answer in the Exhibit
Among those targeted by fraudsters, who are more likely to lose money? A. B. C. D.
People 65 and older Inexperienced young investors People with very public social media profiles Gamers
EXPLORE MORE: Become a fraud fighter: www.saveandinvest.org/protect-your-money Ask and check before putting your money at risk: www.finra.org/investors/ask-and-check Outsmart investment fraud. Watch Trick$ of the Trade: www.saveandinvest.org/tricks-of-the-trade Are you at risk of financial fraud? Find out: www.saveandinvest.org/meters/risk Protect your identity and recover from identity theft: www.consumer.ftc.gov/features/feature-0014-identity-theft
$
$
For answers and easy access to the Explore More resources, visit www.ala.org/tmseekandfind.
2
$$
Seek Find This Picture
The Answer in the Exhibit
Why should you pay your credit card balance in full each month? A. B. C. D.
To earn credit card rewards To save on taxes To impress your friends To avoid paying interest
EXPLORE MORE: Get answers about credit cards: www.consumerfinance.gov/askcfpb Calculate the cost of paying off debt over time: www.myarmyonesource.com/data/Calculators/Debt_Payoff/DebtPayoff.html Borrow wisely: www.mymoney.gov/borrow/Pages/borrow.aspx See how fast credit card interest can grow: www.saveandinvest.org/video/credit-cards-and-budgeting Especially for Educators and Parents: What to know before choosing a credit card: www.saveandinvest.org/file/document/money-math-choose-credit-card
$
$
For answers and easy access to the Explore More resources, visit www.ala.org/tmseekandfind.
3
$$
Seek Find This Picture
The Answer in the Exhibit
What is choice overload? A. When you overspend as a result of too many tempting choices B. When you fail a multiple choice test C. When having too many options causes you to make a bad choice, or no choice at all D. When your smartphone crashes due to multitasking
EXPLORE MORE: Investigate the psychology behind our best and worst financial decisions. Watch Thinking Money: www.saveandinvest.org/thinking-money-documentary-full Explore cutting edge behavioral finance research: www.rand.org/labor/centers/befi.html Learn what buying jam reveals about saving for retirement: www.saveandinvest.org/saving-retirement-jam
For answers and easy access to the Explore More resources, visit www.ala.org/tmseekandfind.
$
4
$
$$
Seek Find This Picture
The Answer in the Exhibit
What’s a key benefit of attaining a four-year college degree? A. You’ll be able to cover the cost of raising triplets B. The 8:00 a.m. classes C. You will likely earn 62.5% more than those with only a high school diploma D. You won’t have to save for retirement, because you’ll receive a good pension
EXPLORE MORE: Get started with college savings: www.finra.org/investors/saving-college Learn to love your money while in college: www.loveyourmoney.org Explore careers and their entry requirements and earning potential: www.bls.gov/k12/content/students/careers/career-exploration.htm
For answers and easy access to the Explore More resources, visit www.ala.org/tmseekandfind.
$
5
$
$$
Seek Find This Picture
The Answer in the Exhibit
Your credit score:
A. Tells lenders how likely you are to pay back the money you want to borrow B. Is the same thing as your credit report C. Is based, in part, on your grades in school D. Reflects your average annual income
EXPLORE MORE: Watch Time to Check Your Credit Report: www.consumer.ftc.gov/articles/0155-free-credit-reports Order a free copy of your credit reports: www.annualcreditreport.com Get answers about credit reports and credit scores: www.federalreserve.gov/creditreports
For answers and easy access to the Explore More resources, visit www.ala.org/tmseekandfind.
$
6
$
$$
Seek Find This Picture
The Answer in the Exhibit
Imagining yourself in the future is challenging—whether it’s a few years or a few decades down the road. Preparing for that future is no less difficult. What percentage of U.S. adults have figured out their retirement savings needs? A. B. C. D.
Nearly all Between 65% and 85% Well under half—only 39% None, because Social Security covers all retirement needs
EXPLORE MORE: Learn retirement lessons from vampires. Play Bite Club: www.financialentertainment.org/play/biteclub.html Manage money throughout life. Play Moneytopia: www.finra.org/investors/moneytopia-game-and-tutorials Your mission: solve a lifetime of financial challenges. Play the Gen i Revolution: www.genirevolution.org
For answers and easy access to the Explore More resources, visit www.ala.org/tmseekandfind.
$
7
$
$$
Seek Find This Picture
The Answer in the Exhibit
The impact of compound interest can be dramatic. If you save $25 a week at 5.5% interest compounded monthly, how much will you have after 10 years? A. B. C. D.
$10,000 $17,000 $47,000 $30,000
EXPLORE MORE: Watch how money grows with compound interest: www.saveandinvest.org/video/power-compound-interest Determine how much to save to reach your goal, with an assist from compound interest: www.saveandinvest.org/savingscalculator Visualize compound interest: www.econedlink.org/tool/2/Compound-Interest-Calculator Especially for Educators and Parents: Learn about earning interest: Middle school: www.saveandinvest.org/file/document/intro-earning-interest-middle-school Grades 9–10: www.saveandinvest.org/file/document/intro-earning-interest-grades-9-10 Grades 11–12: www.saveandinvest.org/file/document/intro-earning-interest-grades-11-12
$
$
For answers and easy access to the Explore More resources, visit www.ala.org/tmseekandfind.
8
$$
Seek Find This Picture
The Answer in the Exhibit
When budgeting, it’s important to distinguish between what we really need and what we would merely like to have. But our list of “needs” always appears to be changing. Consider the microwave oven. Between 1996 and 2006, the percentage of people viewing it as a necessity: A. B. C. D.
Fell sharply, because everybody started grilling outdoors More than doubled Declined as the number of TV cooking shows increased Increased by about 15%
EXPLORE MORE: Play Groove Nation and dance your way to a budget: www.financialentertainment.org/play/groovenation.html Become a saver: www.americasaves.org Get started with your own budget using this worksheet: www.saveandinvest.org/SpendingPlan Watch what happens when your “wants” get in the way of your “needs”: www.saveandinvest.org/video/movin-out Especially for Educators and Parents: Be realistic about what your needs and wants really cost: www.saveandinvest.org/file/document/money-math-true-car-cost
$
$
For answers and easy access to the Explore More resources, visit www.ala.org/tmseekandfind.
9
$$
Seek Find This Picture
The Answer in the Exhibit
When the fraudster claims that “there are just a couple of ships left” to invest in, what red flag should the travelers see? A. B. C. D.
The Phantom Menace Scarcity Source credibility The flag of Switzerland
EXPLORE MORE: Match wits with fraudsters. Play Con ’Em if You Can: www.conemifyoucan.org Avoid scams and be safe online: www.onguardonline.gov Is this investment possibly a scam? Find out: www.saveandinvest.org/meters/scam Protect your money: www.finra.org/investors/protect-your-money Report fraud: www.saveandinvest.org/protect-your-money/report-fraud
$
$
For answers and easy access to the Explore More resources, visit www.ala.org/tmseekandfind.
10
$$
Seek Find This Picture
The Answer in the Exhibit
Ella is certain she knows how to navigate through financial turbulence. She is exhibiting which financial bias? A. B. C. D.
Loss aversion Superman complex, or overconfidence Following the herd Wonder Woman complex
EXPLORE MORE: Check to see if your financial confidence matches your financial know-how: www.usfinancialcapability.org/quiz.php Test your investing knowledge: www.finra.org/investors/investor-knowledge-quiz Learn what drives your financial decisions: www.smartaboutmoney.org/Tools-Resources/LifeValues-Quiz
For answers and easy access to the Explore More resources, visit www.ala.org/tmseekandfind.
$
11
$
$$
Seek Find This Picture
The Answer in the Exhibit
Which of these expenses are not emergencies and belong in your regular budget? A. B. C. D. E.
Utilities, such as electricity, phone, and water bills Groceries Back-to-school supplies Entertainment All of the above
EXPLORE MORE: Manage resources and prepare for financial emergencies. Play Farm Blitz: www.financialentertainment.org/play/farmblitz.html Cope with debt: www.consumer.ftc.gov/articles/0150-coping-debt See why it’s important to have an emergency savings fund: www.saveandinvest.org/video/emergency-savings-fund Especially for Educators and Parents: Learn how to build an emergency fund: www.saveandinvest.org/file/document/money-math-emergency-fund
$
$
For answers and easy access to the Explore More resources, visit www.ala.org/tmseekandfind.
12
$$
Seek Find This Picture
The Answer in the Exhibit
A rainy day fund should be used only for emergencies. Which three of these events could be considered a financial emergency? A. B. C. D. E.
Replacing a worn-out roof after 25 years Job loss Routine auto maintenance Rebuilding after a weather disaster Unexpected healthcare expenses
EXPLORE MORE: Know your benefits during times of need: www.benefits.gov Manage the impact of an unexpected job loss: www.finra.org/joblossalert Be resilient when disaster strikes: www.community.fema.gov Get help with housing challenges: www.makinghomeaffordable.gov
$
For answers and easy access to the Explore More resources, visit www.ala.org/tmseekandfind.
13
$
Seek Find Answer Key 1. Much of what we think we need—or even just want—ends up collecting dust in storage. How much do Americans spend on self-storage each year? A. More than double the combined expenditures of all public libraries in the U.S. B. $10 billion C. About 5% of the value of all the gold in Fort Knox D. All of the above 2. Among those targeted by fraudsters, who are more likely to lose money? A. People 65 and older B. Inexperienced young investors C. People with very public social media profiles D. Gamers
8. The impact of compound interest can be dramatic. If you save $25 a week at 5.5% interest compounded monthly, how much will you have after 10 years? A. $10,000 B. $17,000 C. $47,000 D. $30,000 9. When budgeting, it’s important to distinguish between what we really need and what we would merely like to have. But our list of “needs” always appears to be changing. Consider the microwave oven. Between 1996 and 2006, the percentage of people viewing it as a necessity: A. Fell sharply, because everybody started grilling outdoors B. More than doubled C. Declined as the number of TV cooking shows increased D. Increased by about 15%
3. A. B. C. D.
Why should you pay your credit card balance in full each month? To earn credit card rewards To save on taxes To impress your friends To avoid paying interest
4. A. B. C.
What is choice overload? When you overspend as a result of too many tempting choices When you fail a multiple choice test When having too many options causes you to make a bad choice, or no choice at all D. When your smartphone crashes due to multitasking 5. A. B. C.
What’s a key benefit of attaining a four-year college degree? You’ll be able to cover the cost of raising triplets The 8:00 a.m. classes You will likely earn 62.5% more than those with only a high school diploma D. You won’t have to save for retirement, because you’ll receive a good pension 6. Your credit score: A. Tells lenders how likely you are to pay back the money you want to borrow B. Is the same thing as your credit report C. Is based, in part, on your grades in school D. Reflects your average annual income 7. Imagining yourself in the future is challenging—whether it’s a few years or a few decades down the road. Preparing for that future is no less difficult. What percentage of U.S. adults have figured out their retirement savings needs? A. Nearly all B. Between 65% and 85% C. Well under half—only 39% D. None, because Social Security covers all retirement needs
10. When the fraudster claims that “there are just a couple of ships left” to invest in, what red flag should the travelers see? A. The Phantom Menace B. Scarcity C. Source credibility D. The flag of Switzerland 11. Ella is certain she knows how to navigate through financial turbulence. She is exhibiting which financial bias? A. Loss aversion B. Superman complex, or overconfidence C. Following the herd D. Wonder Woman complex 12. Which of these expenses are not emergencies and belong in your regular budget? A. Utilities, such as electricity, phone, and water bills B. Groceries C. Back-to-school supplies D. Entertainment E. All of the above 13. A rainy day fund should be used only for emergencies. Which three of these events could be considered a financial emergency? A. Replacing a worn-out roof after 25 years B. Job loss C. Routine auto maintenance D. Rebuilding after a weather disaster E. Unexpected healthcare expenses
