Inst it ut e fo r Humane Educat io n Grades: 9, 10, 11, 12 St at es: Common Core State Standards Subje ct s: Mathematics

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Inst it ut e fo r Humane Educat io n Grades: 9, 10, 11, 12 St at es: Common Core State Standards Subje ct s: Mathematics CCSS.Mat h.pract ice CCSS.Mat h.pract ice.mp5 CCSS.Mat h.pract ice.mp6 CCSS.Mat h.pract ice.mp8 Co mmo n Co re St at e St andards Mat hemat ics Grade 9 - Ado pt ed 2010 Mathematical Practices Use appropriate tools strategically. population during the past 600 years with an exponential function, considering both the total amount of and average Financial Math: What's the Deal with Debt? In this lesson plan, students will learn to calculate a loan repayment size and complete an amortization schedule for two different lending scenarios; compare the scales and details of two typical modernday loan situations; and experience through role-playing some of the pressures and expectations faced by creditors and debtors within contemporary economic systems. Hear the People This is a great icebreaker for any activity exploring the challenges and impacts surronding our enormous and growing human population. Attend to precision. population during the past 600 years with an exponential function, considering both the total amount of and average Financial Math: What's the Deal with Debt? In this lesson plan, students will learn to calculate a loan repayment size and complete an amortization schedule for two different lending scenarios; compare the scales and details of two typical modernday loan situations; and experience through role-playing some of the pressures and expectations faced by creditors and debtors within contemporary economic systems. Hear the People This is a great icebreaker for any activity exploring the challenges and impacts surronding our enormous and growing human population. Look for and express regularity in repeated reasoning. population during the past 600 years with an exponential function, considering both the total amount of and average

Financial Math: What's the Deal with Debt? In this lesson plan, students will learn to calculate a loan repayment size and complete an amortization schedule for two different lending scenarios; compare the scales and details of two typical modernday loan situations; and experience through role-playing some of the pressures and expectations faced by creditors and debtors within contemporary economic systems. Hear the People This is a great icebreaker for any activity exploring the challenges and impacts surronding our enormous and growing human population. SSE SSE.B SSE.B.3 SSE.B.3c Seeing Structure in Expressions Write exp ressio ns in eq uivalent fo rms to so lve p ro b lems. Choose and produce an equivalent form of an expression to reveal and explain properties of the quantity represented by the expression. Use the properties of exponents to transform expressions for exponential functions. For example the expression 1.15^t can be rewritten as (1.15^(1/12))^12t 1.012^12t to reveal the approximate equivalent monthly interest rate if the annual rate is 15%. CED CED.A CED.A.2 REI REI.A population during the past 600 years with an exponential function, considering both the total amount of and average Creating Equations Create eq uatio ns that d escrib e numb ers o r relatio nship s. Create equations in two or more variables to represent relationships between quantities; graph equations on coordinate axes with labels and scales. population during the past 600 years with an exponential function, considering both the total amount of and average Reasoning with Equations and Inequalities Und erstand so lving eq uatio ns as a p ro cess o f reaso ning and exp lain the reaso ning.

REI.A.1 Explain each step in solving a simple equation as following from the equality of numbers asserted at the previous step, starting from the assumption that the original equation has a solution. Construct a viable argument to justify a solution method. REI REI.D REI.D.10 IF IF.B IF.B.4 population during the past 600 years with an exponential function, considering both the total amount of and average Reasoning with Equations and Inequalities Rep resent and so lve eq uatio ns and ineq ualities g rap hically. Understand that the graph of an equation in two variables is the set of all its solutions plotted in the coordinate plane, often forming a curve (which could be a line). population during the past 600 years with an exponential function, considering both the total amount of and average Interpreting Interp ret functio ns that arise in ap p licatio ns in terms o f the co ntext. For a function that models a relationship between two quantities, interpret key features of graphs and tables in terms of the quantities, and sketch graphs showing key features given a verbal description of the relationship. Key features include: intercepts; intervals where the function is increasing, decreasing, positive, or negative; relative maximums and minimums; symmetries; end behavior; and periodicity. population during the past 600 years with an exponential function, considering both the total amount of and average IF IF.C IF.C.7 IF.C.7e Interpreting Analyze functio ns using d ifferent rep resentatio ns. Graph functions expressed symbolically and show key features of the graph, by hand in simple cases and using technology for more complicated cases. Graph exponential and logarithmic functions, showing intercepts and end behavior, and trigonometric functions, showing period, midline, and amplitude.

population during the past 600 years with an exponential function, considering both the total amount of and average IF IF.C IF.C.8 IF.C.8b Interpreting Analyze functio ns using d ifferent rep resentatio ns. Write a function defined by an expression in different but equivalent forms to reveal and explain different properties of the function. Use the properties of exponents to interpret expressions for exponential functions. For example, identify percent rate of change in functions such as y = (1.02)^t, y = (0.97)^t, y = (1.01)^12t, y = (1.2)^t/10, and classify them as representing exponential or decay. population during the past 600 years with an exponential function, considering both the total amount of and average BF BF.B BF.B.4 BF.B.4 a Building Build new functio ns fro m existing functio ns. Find inverse functions. Solve an equation of the form f(x) = c for a simple function f that has an inverse and write an expression for the inverse. For example, f(x) =2 x^3 for x > 0 or f(x) = (x+1)/(x-1) for x 1. population during the past 600 years with an exponential function, considering both the total amount of and average LE LE.A LE.A.1 LE.A.1a Linear, Quadratic, and Exponential Models Co nstruct and co mp are linear, q uad ratic, and exp o nential mo d els and so lve p ro b lems. Distinguish between situations that can be modeled with linear functions and with exponential functions. Prove that linear functions grow by equal differences over equal intervals, and that exponential functions grow by equal factors over equal intervals. population during the past 600 years with an exponential function, considering both the total amount of and average

CCSS.Math.Content.HSS CP CP.A CP.A.1 CP.A.2 CP.A.3 CP.A.4 CP.A.5 Statistics and Probability Conditional Probability and the Rules of Probability Und erstand ind ep end ence and co nd itio nal p ro b ab ility and use them to interp ret d ata Describe events as subsets of a sample space (the set of outcomes) using characteristics (or categories) of the outcomes, or as unions, intersections, or complements of other events (''or,'' ''and,'' ''not''). Understand that two events A and B are independent if the probability of A and B occurring together is the product of their probabilities, and use this characterization to determine if they are independent. Understand the conditional probability of A given B as P(A and B)/P(B), and interpret independence of A and B as saying that the conditional probability of A given B is the same as the probability of A, and the conditional probability of B given A is the same as the probability of B. Construct and interpret two-way frequency tables of data when two categories are associated with each object being classified. Use the two-way table as a sample space to decide if events are independent and to approximate conditional probabilities. For example, collect data from a random sample of students in your school on their favorite subject among math, science, and English. Estimate the probability that a randomly selected student from your school will favor science given that the student is in tenth grade. Do the same for other subjects and compare the results. Recognize and explain the concepts of conditional probability and independence in everyday language and everyday situations. For example, compare the chance of having lung cancer if you are a smoker with the chance of being a smoker if you have lung cancer.

CCSS.Math.Content.HSS CP CP.B CP.B.6 CP.B.7 CP.B.8 CP.B.9 CCSS.Math.Content.HSS MD MD.A MD.A.1 Statistics and Probability Conditional Probability and the Rules of Probability Use the rules o f p ro b ab ility to co mp ute p ro b ab ilities o f co mp o und events in a unifo rm p ro b ab ility mo d el Find the conditional probability of A given B as the fraction of B's outcomes that also belong to A and interpret the answer in terms of the model. Apply the Addition Rule, P(A or B) = P(A) + P(B) - P(A and B), and interpret the answer in terms of the model. (+) Apply the general Multiplication Rule in a uniform probability model, P(A and B) = P(A)P(B A) = P(B)P(A B), and interpret the answer in terms of the model. (+) Use permutations and combinations to compute probabilities of compound events and solve problems. Statistics and Probability Using Probability to Make Decisions Calculate exp ected values and use them to so lve p ro b lems (+) Define a random variable for a quantity of interest by assigning a numerical value to each event in a sample space; graph the corresponding probability distribution using the same graphical displays as for data distributions. Co mmo n Co re St at e St andards Mat hemat ics

CCSS.Mat h.pract ice CCSS.Mat h.pract ice.mp5 CCSS.Mat h.pract ice.mp6 CCSS.Mat h.pract ice.mp8 Grade 10 - Ado pt ed 2010 Mathematical Practices Use appropriate tools strategically. population during the past 600 years with an exponential function, considering both the total amount of and average Financial Math: What's the Deal with Debt? In this lesson plan, students will learn to calculate a loan repayment size and complete an amortization schedule for two different lending scenarios; compare the scales and details of two typical modernday loan situations; and experience through role-playing some of the pressures and expectations faced by creditors and debtors within contemporary economic systems. Hear the People This is a great icebreaker for any activity exploring the challenges and impacts surronding our enormous and growing human population. Attend to precision. population during the past 600 years with an exponential function, considering both the total amount of and average Financial Math: What's the Deal with Debt? In this lesson plan, students will learn to calculate a loan repayment size and complete an amortization schedule for two different lending scenarios; compare the scales and details of two typical modernday loan situations; and experience through role-playing some of the pressures and expectations faced by creditors and debtors within contemporary economic systems. Hear the People This is a great icebreaker for any activity exploring the challenges and impacts surronding our enormous and growing human population. Look for and express regularity in repeated reasoning. population during the past 600 years with an exponential function, considering both the total amount of and average Financial Math: What's the Deal with Debt? In this lesson plan, students will learn to calculate a loan repayment size and complete an amortization schedule for two different lending scenarios; compare the scales and details of two typical modern-

day loan situations; and experience through role-playing some of the pressures and expectations faced by creditors and debtors within contemporary economic systems. Hear the People This is a great icebreaker for any activity exploring the challenges and impacts surronding our enormous and growing human population. SSE SSE.B SSE.B.3 SSE.B.3c Seeing Structure in Expressions Write exp ressio ns in eq uivalent fo rms to so lve p ro b lems. Choose and produce an equivalent form of an expression to reveal and explain properties of the quantity represented by the expression. Use the properties of exponents to transform expressions for exponential functions. For example the expression 1.15^t can be rewritten as (1.15^(1/12))^12t 1.012^12t to reveal the approximate equivalent monthly interest rate if the annual rate is 15%. CED CED.A CED.A.2 REI REI.A REI.A.1 population during the past 600 years with an exponential function, considering both the total amount of and average Creating Equations Create eq uatio ns that d escrib e numb ers o r relatio nship s. Create equations in two or more variables to represent relationships between quantities; graph equations on coordinate axes with labels and scales. population during the past 600 years with an exponential function, considering both the total amount of and average Reasoning with Equations and Inequalities Und erstand so lving eq uatio ns as a p ro cess o f reaso ning and exp lain the reaso ning. Explain each step in solving a simple equation as following from the equality of numbers asserted at the previous step, starting from the assumption that the original equation has a solution. Construct a viable argument to justify a solution method. population during the past 600 years with an exponential

REI REI.D REI.D.10 IF IF.B IF.B.4 function, considering both the total amount of and average Reasoning with Equations and Inequalities Rep resent and so lve eq uatio ns and ineq ualities g rap hically. Understand that the graph of an equation in two variables is the set of all its solutions plotted in the coordinate plane, often forming a curve (which could be a line). population during the past 600 years with an exponential function, considering both the total amount of and average Interpreting Interp ret functio ns that arise in ap p licatio ns in terms o f the co ntext. For a function that models a relationship between two quantities, interpret key features of graphs and tables in terms of the quantities, and sketch graphs showing key features given a verbal description of the relationship. Key features include: intercepts; intervals where the function is increasing, decreasing, positive, or negative; relative maximums and minimums; symmetries; end behavior; and periodicity. population during the past 600 years with an exponential function, considering both the total amount of and average IF IF.C IF.C.7 IF.C.7e Interpreting Analyze functio ns using d ifferent rep resentatio ns. Graph functions expressed symbolically and show key features of the graph, by hand in simple cases and using technology for more complicated cases. Graph exponential and logarithmic functions, showing intercepts and end behavior, and trigonometric functions, showing period, midline, and amplitude. population during the past 600 years with an exponential function, considering both the total amount of and average

IF IF.C IF.C.8 IF.C.8b Interpreting Analyze functio ns using d ifferent rep resentatio ns. Write a function defined by an expression in different but equivalent forms to reveal and explain different properties of the function. Use the properties of exponents to interpret expressions for exponential functions. For example, identify percent rate of change in functions such as y = (1.02)^t, y = (0.97)^t, y = (1.01)^12t, y = (1.2)^t/10, and classify them as representing exponential or decay. population during the past 600 years with an exponential function, considering both the total amount of and average BF BF.B BF.B.4 BF.B.4 a Building Build new functio ns fro m existing functio ns. Find inverse functions. Solve an equation of the form f(x) = c for a simple function f that has an inverse and write an expression for the inverse. For example, f(x) =2 x^3 for x > 0 or f(x) = (x+1)/(x-1) for x 1. population during the past 600 years with an exponential function, considering both the total amount of and average LE LE.A LE.A.1 LE.A.1a Linear, Quadratic, and Exponential Models Co nstruct and co mp are linear and exp o nential mo d els and so lve p ro b lems. Distinguish between situations that can be modeled with linear functions and with exponential functions. Prove that linear functions grow by equal differences over equal intervals, and that exponential functions grow by equal factors over equal intervals. CCSS.Math.Content.HSS population during the past 600 years with an exponential function, considering both the total amount of and average Statistics and Probability Conditional Probability and the Rules of Probability

CP CP.A CP.A.1 CP.A.2 CP.A.3 CP.A.4 CP.A.5 CCSS.Math.Content.HSS CP Und erstand ind ep end ence and co nd itio nal p ro b ab ility and use them to interp ret d ata Describe events as subsets of a sample space (the set of outcomes) using characteristics (or categories) of the outcomes, or as unions, intersections, or complements of other events (''or,'' ''and,'' ''not''). Understand that two events A and B are independent if the probability of A and B occurring together is the product of their probabilities, and use this characterization to determine if they are independent. Understand the conditional probability of A given B as P(A and B)/P(B), and interpret independence of A and B as saying that the conditional probability of A given B is the same as the probability of A, and the conditional probability of B given A is the same as the probability of B. Construct and interpret two-way frequency tables of data when two categories are associated with each object being classified. Use the two-way table as a sample space to decide if events are independent and to approximate conditional probabilities. For example, collect data from a random sample of students in your school on their favorite subject among math, science, and English. Estimate the probability that a randomly selected student from your school will favor science given that the student is in tenth grade. Do the same for other subjects and compare the results. Recognize and explain the concepts of conditional probability and independence in everyday language and everyday situations. For example, compare the chance of having lung cancer if you are a smoker with the chance of being a smoker if you have lung cancer. Statistics and Probability Conditional Probability and the Rules of Probability Use the rules o f p ro b ab ility to co mp ute p ro b ab ilities o f co mp o und

CP.B CP.B.6 CP.B.7 CP.B.8 CP.B.9 CCSS.Math.Content.HSS MD MD.A MD.A.1 events in a unifo rm p ro b ab ility mo d el Find the conditional probability of A given B as the fraction of B's outcomes that also belong to A and interpret the answer in terms of the model. Apply the Addition Rule, P(A or B) = P(A) + P(B) - P(A and B), and interpret the answer in terms of the model. (+) Apply the general Multiplication Rule in a uniform probability model, P(A and B) = P(A)P(B A) = P(B)P(A B), and interpret the answer in terms of the model. (+) Use permutations and combinations to compute probabilities of compound events and solve problems. Statistics and Probability Using Probability to Make Decisions Calculate exp ected values and use them to so lve p ro b lems (+) Define a random variable for a quantity of interest by assigning a numerical value to each event in a sample space; graph the corresponding probability distribution using the same graphical displays as for data distributions. CCSS.Mat h.pract ice CCSS.Mat h.pract ice.mp5 Co mmo n Co re St at e St andards Mat hemat ics Grade 11 - Ado pt ed 2010 Mathematical Practices Use appropriate tools strategically.

CCSS.Mat h.pract ice.mp6 CCSS.Mat h.pract ice.mp8 population during the past 600 years with an exponential function, considering both the total amount of and average Financial Math: What's the Deal with Debt? In this lesson plan, students will learn to calculate a loan repayment size and complete an amortization schedule for two different lending scenarios; compare the scales and details of two typical modernday loan situations; and experience through role-playing some of the pressures and expectations faced by creditors and debtors within contemporary economic systems. Hear the People This is a great icebreaker for any activity exploring the challenges and impacts surronding our enormous and growing human population. Attend to precision. population during the past 600 years with an exponential function, considering both the total amount of and average Financial Math: What's the Deal with Debt? In this lesson plan, students will learn to calculate a loan repayment size and complete an amortization schedule for two different lending scenarios; compare the scales and details of two typical modernday loan situations; and experience through role-playing some of the pressures and expectations faced by creditors and debtors within contemporary economic systems. Hear the People This is a great icebreaker for any activity exploring the challenges and impacts surronding our enormous and growing human population. Look for and express regularity in repeated reasoning. population during the past 600 years with an exponential function, considering both the total amount of and average Financial Math: What's the Deal with Debt? In this lesson plan, students will learn to calculate a loan repayment size and complete an amortization schedule for two different lending scenarios; compare the scales and details of two typical modernday loan situations; and experience through role-playing some of the pressures and expectations faced by creditors and debtors within contemporary economic systems. Hear the People This is a great icebreaker for any activity exploring the challenges and impacts surronding our enormous and growing human population.

SSE SSE.B SSE.B.3 SSE.B.3c Seeing Structure in Expressions Write exp ressio ns in eq uivalent fo rms to so lve p ro b lems. Choose and produce an equivalent form of an expression to reveal and explain properties of the quantity represented by the expression. Use the properties of exponents to transform expressions for exponential functions. For example the expression 1.15^t can be rewritten as (1.15^(1/12))^12t 1.012^12t to reveal the approximate equivalent monthly interest rate if the annual rate is 15%. CED CED.A CED.A.2 REI REI.A REI.A.1 population during the past 600 years with an exponential function, considering both the total amount of and average Creating Equations Create eq uatio ns that d escrib e numb ers o r relatio nship s. Create equations in two or more variables to represent relationships between quantities; graph equations on coordinate axes with labels and scales. population during the past 600 years with an exponential function, considering both the total amount of and average Reasoning with Equations and Inequalities Und erstand so lving eq uatio ns as a p ro cess o f reaso ning and exp lain the reaso ning. Explain each step in solving a simple equation as following from the equality of numbers asserted at the previous step, starting from the assumption that the original equation has a solution. Construct a viable argument to justify a solution method. population during the past 600 years with an exponential function, considering both the total amount of and average

REI REI.D REI.D.10 IF IF.B IF.B.4 Reasoning with Equations and Inequalities Rep resent and so lve eq uatio ns and ineq ualities g rap hically. Understand that the graph of an equation in two variables is the set of all its solutions plotted in the coordinate plane, often forming a curve (which could be a line). population during the past 600 years with an exponential function, considering both the total amount of and average Interpreting Interp ret functio ns that arise in ap p licatio ns in terms o f the co ntext. For a function that models a relationship between two quantities, interpret key features of graphs and tables in terms of the quantities, and sketch graphs showing key features given a verbal description of the relationship. Key features include: intercepts; intervals where the function is increasing, decreasing, positive, or negative; relative maximums and minimums; symmetries; end behavior; and periodicity. population during the past 600 years with an exponential function, considering both the total amount of and average IF IF.C IF.C.7 IF.C.7e Interpreting Analyze functio ns using d ifferent rep resentatio ns. Graph functions expressed symbolically and show key features of the graph, by hand in simple cases and using technology for more complicated cases. Graph exponential and logarithmic functions, showing intercepts and end behavior, and trigonometric functions, showing period, midline, and amplitude. IF IF.C population during the past 600 years with an exponential function, considering both the total amount of and average Interpreting Analyze functio ns using d ifferent rep resentatio ns.

IF.C.8 IF.C.8b Write a function defined by an expression in different but equivalent forms to reveal and explain different properties of the function. Use the properties of exponents to interpret expressions for exponential functions. For example, identify percent rate of change in functions such as y = (1.02)^t, y = (0.97)^t, y = (1.01)^12t, y = (1.2)^t/10, and classify them as representing exponential or decay. population during the past 600 years with an exponential function, considering both the total amount of and average BF BF.B BF.B.4 BF.B.4 a Building Build new functio ns fro m existing functio ns. Find inverse functions. Solve an equation of the form f(x) = c for a simple function f that has an inverse and write an expression for the inverse. For example, f(x) =2 x^3 for x > 0 or f(x) = (x+1)/(x-1) for x 1. population during the past 600 years with an exponential function, considering both the total amount of and average LE LE.A LE.A.1 LE.A.1a Linear, Quadratic, and Exponential Models Co nstruct and co mp are linear and exp o nential mo d els and so lve p ro b lems. Distinguish between situations that can be modeled with linear functions and with exponential functions. Prove that linear functions grow by equal differences over equal intervals, and that exponential functions grow by equal factors over equal intervals. CCSS.Math.Content.HSS CP CP.A CP.A.1 population during the past 600 years with an exponential function, considering both the total amount of and average Statistics and Probability Conditional Probability and the Rules of Probability Und erstand ind ep end ence and co nd itio nal p ro b ab ility and use them to interp ret d ata Describe events as subsets of a sample space (the set of outcomes) using characteristics (or categories) of the outcomes, or as unions, intersections, or complements of other events (''or,'' ''and,'' ''not'').

CP.A.2 CP.A.3 CP.A.4 CP.A.5 CCSS.Math.Content.HSS CP CP.B CP.B.6 Understand that two events A and B are independent if the probability of A and B occurring together is the product of their probabilities, and use this characterization to determine if they are independent. Understand the conditional probability of A given B as P(A and B)/P(B), and interpret independence of A and B as saying that the conditional probability of A given B is the same as the probability of A, and the conditional probability of B given A is the same as the probability of B. Construct and interpret two-way frequency tables of data when two categories are associated with each object being classified. Use the two-way table as a sample space to decide if events are independent and to approximate conditional probabilities. For example, collect data from a random sample of students in your school on their favorite subject among math, science, and English. Estimate the probability that a randomly selected student from your school will favor science given that the student is in tenth grade. Do the same for other subjects and compare the results. Recognize and explain the concepts of conditional probability and independence in everyday language and everyday situations. For example, compare the chance of having lung cancer if you are a smoker with the chance of being a smoker if you have lung cancer. Statistics and Probability Conditional Probability and the Rules of Probability Use the rules o f p ro b ab ility to co mp ute p ro b ab ilities o f co mp o und events in a unifo rm p ro b ab ility mo d el Find the conditional probability of A given B as the fraction of B's outcomes that also belong to A and interpret the answer in terms of the model.

CP.B.7 CP.B.8 CP.B.9 CCSS.Math.Content.HSS MD MD.A MD.A.1 Apply the Addition Rule, P(A or B) = P(A) + P(B) - P(A and B), and interpret the answer in terms of the model. (+) Apply the general Multiplication Rule in a uniform probability model, P(A and B) = P(A)P(B A) = P(B)P(A B), and interpret the answer in terms of the model. (+) Use permutations and combinations to compute probabilities of compound events and solve problems. Statistics and Probability Using Probability to Make Decisions Calculate exp ected values and use them to so lve p ro b lems (+) Define a random variable for a quantity of interest by assigning a numerical value to each event in a sample space; graph the corresponding probability distribution using the same graphical displays as for data distributions. CCSS.Mat h.pract ice CCSS.Mat h.pract ice.mp5 Co mmo n Co re St at e St andards Mat hemat ics Grade 12 - Ado pt ed 2010 Mathematical Practices Use appropriate tools strategically. population during the past 600 years with an exponential function, considering both the total amount of and average Financial Math: What's the Deal with Debt?

CCSS.Mat h.pract ice.mp6 CCSS.Mat h.pract ice.mp8 In this lesson plan, students will learn to calculate a loan repayment size and complete an amortization schedule for two different lending scenarios; compare the scales and details of two typical modernday loan situations; and experience through role-playing some of the pressures and expectations faced by creditors and debtors within contemporary economic systems. Hear the People This is a great icebreaker for any activity exploring the challenges and impacts surronding our enormous and growing human population. Attend to precision. population during the past 600 years with an exponential function, considering both the total amount of and average Financial Math: What's the Deal with Debt? In this lesson plan, students will learn to calculate a loan repayment size and complete an amortization schedule for two different lending scenarios; compare the scales and details of two typical modernday loan situations; and experience through role-playing some of the pressures and expectations faced by creditors and debtors within contemporary economic systems. Hear the People This is a great icebreaker for any activity exploring the challenges and impacts surronding our enormous and growing human population. Look for and express regularity in repeated reasoning. population during the past 600 years with an exponential function, considering both the total amount of and average Financial Math: What's the Deal with Debt? In this lesson plan, students will learn to calculate a loan repayment size and complete an amortization schedule for two different lending scenarios; compare the scales and details of two typical modernday loan situations; and experience through role-playing some of the pressures and expectations faced by creditors and debtors within contemporary economic systems. Hear the People This is a great icebreaker for any activity exploring the challenges and impacts surronding our enormous and growing human population.

SSE SSE.B SSE.B.3 SSE.B.3c Seeing Structure in Expressions Write exp ressio ns in eq uivalent fo rms to so lve p ro b lems. Choose and produce an equivalent form of an expression to reveal and explain properties of the quantity represented by the expression. Use the properties of exponents to transform expressions for exponential functions. For example the expression 1.15^t can be rewritten as (1.15^(1/12))^12t 1.012^12t to reveal the approximate equivalent monthly interest rate if the annual rate is 15%. CED CED.A CED.A.2 REI REI.A REI.A.1 population during the past 600 years with an exponential function, considering both the total amount of and average Creating Equations Create eq uatio ns that d escrib e numb ers o r relatio nship s. Create equations in two or more variables to represent relationships between quantities; graph equations on coordinate axes with labels and scales. population during the past 600 years with an exponential function, considering both the total amount of and average Reasoning with Equations and Inequalities Und erstand so lving eq uatio ns as a p ro cess o f reaso ning and exp lain the reaso ning. Explain each step in solving a simple equation as following from the equality of numbers asserted at the previous step, starting from the assumption that the original equation has a solution. Construct a viable argument to justify a solution method. population during the past 600 years with an exponential function, considering both the total amount of and average REI REI.D Reasoning with Equations and Inequalities Rep resent and so lve eq uatio ns and ineq ualities g rap hically. Understand that the graph of an equation in two variables is the set

REI.D.10 of all its solutions plotted in the coordinate plane, often forming a curve (which could be a line). IF IF.B IF.B.4 population during the past 600 years with an exponential function, considering both the total amount of and average Interpreting Interp ret functio ns that arise in ap p licatio ns in terms o f the co ntext. For a function that models a relationship between two quantities, interpret key features of graphs and tables in terms of the quantities, and sketch graphs showing key features given a verbal description of the relationship. Key features include: intercepts; intervals where the function is increasing, decreasing, positive, or negative; relative maximums and minimums; symmetries; end behavior; and periodicity. population during the past 600 years with an exponential function, considering both the total amount of and average IF IF.C IF.C.7 IF.C.7e Interpreting Analyze functio ns using d ifferent rep resentatio ns. Graph functions expressed symbolically and show key features of the graph, by hand in simple cases and using technology for more complicated cases. Graph exponential and logarithmic functions, showing intercepts and end behavior, and trigonometric functions, showing period, midline, and amplitude. population during the past 600 years with an exponential function, considering both the total amount of and average IF IF.C IF.C.8 IF.C.8b Interpreting Analyze functio ns using d ifferent rep resentatio ns. Write a function defined by an expression in different but equivalent forms to reveal and explain different properties of the function. Use the properties of exponents to interpret expressions for exponential functions. For example, identify percent rate of change in functions such as y = (1.02)^t, y = (0.97)^t, y = (1.01)^12t, y = (1.2)^t/10, and classify them as representing exponential or decay.

population during the past 600 years with an exponential function, considering both the total amount of and average BF BF.B BF.B.4 BF.B.4 a Building Build new functio ns fro m existing functio ns. Find inverse functions. Solve an equation of the form f(x) = c for a simple function f that has an inverse and write an expression for the inverse. For example, f(x) =2 x^3 for x > 0 or f(x) = (x+1)/(x-1) for x 1. population during the past 600 years with an exponential function, considering both the total amount of and average LE LE.A LE.A.1 LE.A.1a Linear, Quadratic, and Exponential Models Co nstruct and co mp are linear and exp o nential mo d els and so lve p ro b lems. Distinguish between situations that can be modeled with linear functions and with exponential functions. Prove that linear functions grow by equal differences over equal intervals, and that exponential functions grow by equal factors over equal intervals. CCSS.Math.Content.HSS CP CP.A CP.A.1 population during the past 600 years with an exponential function, considering both the total amount of and average Statistics and Probability Conditional Probability and the Rules of Probability Und erstand ind ep end ence and co nd itio nal p ro b ab ility and use them to interp ret d ata Describe events as subsets of a sample space (the set of outcomes) using characteristics (or categories) of the outcomes, or as unions, intersections, or complements of other events (''or,'' ''and,'' ''not'').

CP.A.2 Understand that two events A and B are independent if the probability of A and B occurring together is the product of their probabilities, and use this characterization to determine if they are independent. CP.A.3 CP.A.4 CP.A.5 CCSS.Math.Content.HSS CP CP.B CP.B.6 CP.B.7 Understand the conditional probability of A given B as P(A and B)/P(B), and interpret independence of A and B as saying that the conditional probability of A given B is the same as the probability of A, and the conditional probability of B given A is the same as the probability of B. Construct and interpret two-way frequency tables of data when two categories are associated with each object being classified. Use the two-way table as a sample space to decide if events are independent and to approximate conditional probabilities. For example, collect data from a random sample of students in your school on their favorite subject among math, science, and English. Estimate the probability that a randomly selected student from your school will favor science given that the student is in tenth grade. Do the same for other subjects and compare the results. Recognize and explain the concepts of conditional probability and independence in everyday language and everyday situations. For example, compare the chance of having lung cancer if you are a smoker with the chance of being a smoker if you have lung cancer. Statistics and Probability Conditional Probability and the Rules of Probability Use the rules o f p ro b ab ility to co mp ute p ro b ab ilities o f co mp o und events in a unifo rm p ro b ab ility mo d el Find the conditional probability of A given B as the fraction of B's outcomes that also belong to A and interpret the answer in terms of the model. Apply the Addition Rule, P(A or B) = P(A) + P(B) - P(A and B), and interpret the answer in terms of the model.

CP.B.8 CP.B.9 CCSS.Math.Content.HSS MD MD.A MD.A.1 (+) Apply the general Multiplication Rule in a uniform probability model, P(A and B) = P(A)P(B A) = P(B)P(A B), and interpret the answer in terms of the model. (+) Use permutations and combinations to compute probabilities of compound events and solve problems. Statistics and Probability Using Probability to Make Decisions Calculate exp ected values and use them to so lve p ro b lems (+) Define a random variable for a quantity of interest by assigning a numerical value to each event in a sample space; graph the corresponding probability distribution using the same graphical displays as for data distributions.