// In secondary classrooms
  
    
Consumer Math
Course Focus
  CM.1
  
  Identify SDA Christian principles and values in correlation with mathematics.
  
  | CM.1.1 | Recognize God as Creator and Sustainer of an ordered universe. | 
|---|---|
| CM.1.2 | Value God’s inspired writings and created works as a revelation of His precision, accuracy, and exactness. | 
| CM.1.3 | Develop accountability as expressed in God’s word and laws. | 
| CM.1.4 | Employ Christian principles as a basis for learning and growth. | 
| CM.1.5 | Broaden intellectual abilities through the study of mathematics. | 
| CM.1.6 | Make biblically-based choices when dealing with mathematical data. | 
| CM.1.7 | Apply biblical principles of Christian morality, integrity, and ethical behavior to mathematical processes. | 
Course Abilities
  CM.2
  
  Develop abilities in mathematics
  
| CM.2.1 | Understand mathematical concepts (number sense, algebraic and geometric thinking, measurement, data analysis, and probability). | 
|---|---|
| CM.2.2 | Utilize the problem-solving process (explore, plan, solve, verify). | 
| CM.2.3 | Develop higher-order thinking skills (analyze, evaluate, reason, classify, predict, generalize, solve, decide, relate, interpret, simplify, model, synthesize). | 
  CM.3
  
  Be able to apply mathematical knowledge and skills to a variety of purposes.
  
  | CM.3.1 | Use a variety of strategies in the problem-solving process (i.e. patterns, tables, diagrams). | 
|---|---|
| CM.3.2 | Conduct research (locate, observe/gather, analyze, conclude). | 
| CM.3.3 | Perform calculations with and without technology in life situations. | 
| CM.3.4 | Read critically and communicate proficiently with mathematical vocabulary. | 
Course Content
  CM.4
  
  Be able to understand concepts of personal finance and business mathematics. 
  
| CM.4.1 | Identify various aspects of stewardship (i.e. costs/benefits, needs/wants, tithes and offerings). | 
|---|---|
| CM.4.2 | Demonstrate knowledge of the time-value of money and basic financial management. | 
  CM.5
  
  Be able to represent mathematical situations in personal and business life using graphs, tables, and charts.
  
  CM.6
  
  Be able to apply appropriate techniques, tools, and formulas to interpret and solve problems.
  
| CM.6.1 | Demonstrate proficiency in basic math skills used by consumers (i.e. decimals, fractions, percentages, proportions). | 
|---|---|
| CM.6.2 | Exhibit money management skills (i.e. budgets, checking and savings accounts, risk management, debt management, investments, mortgages, income taxes, and deductions). | 
| CM.6.3 | Solve consumer-related problems involving time value of money (i.e. simple and compound interest, inflation, present and future values of sums). | 
| CM.6.4 | Use both mental estimation and technology to make optimal consumer choices. | 
  CM.7
  
  Be able to analyze results and draw appropriate conclusions
  
| CM.7.1 | Find and interpret information from graphs, charts, and financial statements. | 
|---|---|
| CM.7.2 | Predict patterns and generalize trends. | 
| CM.7.3 | Judge meaning, utility, and reasonableness of findings in a variety of situations, including those carried out by technology. |