Read the following passage and mark the letter A, B, C or D on your answer sheet to indicate the option that best fits each of the numbered blanks from 18 to 22.
The Growing Movement for Financial Education in American Schools
Financial education has become a pressing priority in the United States. Data from the National Endowment for Financial Education show that 29 states now require high school students to complete a personal finance course before graduation, (18) __________. When these policies are fully implemented by 2031, about 73% of American students will receive formal financial literacy instruction—a dramatic change from a few years ago, (19) __________.
This push is driven by troubling indicators of money management. Roughly 65% of Americans live paycheck to paycheck, and (20) __________. Studies also suggest that students who take a semester-long personal finance class are far more likely to feel prepared to handle real-world finances.
The benefits extend beyond individual families. States with comprehensive programs report better outcomes for young adults, including higher credit scores, lower credit-card delinquency, and increased participation in retirement plans—signs that early instruction can shape lifelong habits. By budgeting, saving, and investing responsibly, (21) __________.
Still, implementation remains uneven. Teacher training and curriculum quality vary widely, and many schools struggle to find qualified instructors. Some states (22) __________, which may reduce depth and effectiveness.
[Adapted from National Endowment for Financial Education]
Question 18:
A. which reflect a growing nationwide commitment to financial education
B. having reflected a growing nationwide commitment to financial education
C. reflecting a growing nationwide commitment to financial education
D. what is certainly seen as a growing nationwide commitment to financial education
