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arrQuiz[1] = new Array();
arrQuiz[1][0] = "false|That's rich!|You don't have to earn an MBA —or six-figure salary—to attain financial freedom. By spending less than you earn and investing a percentage of your salary every month, you can amass wealth even with modest means. <a href='" + schoolurl + "/Category.aspx?45' target='_blank'>Learn more financial secrets of millionaires.</a>";
arrQuiz[1][1] = "false|Burned!|You don't have to strike it rich with a hot stock to attain financial freedom. By spending less than you earn and investing a percentage of your salary every month, you can amass wealth even with modest means. <a href='" + schoolurl + "/Category.aspx?45' target='_blank'>Learn more financial secrets of millionaires.</a>";
arrQuiz[1][2] = "true|Eureka!|By spending less than you earn and investing a percentage of your salary every month, you can amass wealth even with modest means. <a href='" + schoolurl + "/Category.aspx?45' target='_blank'>Find out more about the financial habits of millionaires.</a>";

arrQuiz[2] = new Array();
arrQuiz[2][0] = "false|Almost!|When it comes to saving for emergencies and other important goals, it's not what you earn but what you spend that counts the most. While 3% of your salary is a decent start to building your emergency stash, you'll want to aim to put away at least 3 months' living expenses—which means you'll probably have to save at a higher rate. <a href='" + schoolurl + "/Category.aspx?45' target='_blank'>Learn more.</a>";
arrQuiz[2][1] = "true|On the money!|As soon as you start pulling in a paycheck, one of your priorities should be saving at least 3 months' living expenses for emergencies. <a href='" + schoolurl + "/Category.aspx?45' target='_blank'>Learn what other financial steps you should take as soon as you land that first job.</a>";
arrQuiz[2][2] = "false|You gotta be kidding!|Plastic can be helpful in a pinch, but you'll owe interest on any outstanding balance. That can really add up, especially in a major emergency. As soon as you start pulling in a paycheck, you'll want to begin banking at least 3 months' living expenses—so you're ready for whatever curveballs life throws you. <a href='" + schoolurl + "/Category.aspx?45' target='_blank'>Find out more.</a>";

arrQuiz[3] = new Array();
arrQuiz[3][0] = "true|Got it!|Receiving bills or statements for things you never purchased or credit cards for which you never applied may be a sign of identity theft. <a href='" + schoolurl + "/Category.aspx?28' target='_blank'>Learn how to protect yourself and what to do if you think it's happened to you.</a>";
arrQuiz[3][1] = "false|Delete!|Receiving spam—which accounts for about 90% of all email— is usually not a sign of identity theft. However, sending spam straight to the trash without opening it is one important way to protect yourself from spam scams. <a href='" + schoolurl + "/Category.aspx?28' target='_blank'>Learn more about the ways identity thieves may try to target you.</a>";
arrQuiz[3][2] = "false|Gotcha!|It's not mail addressed to someone else, but mail addressed to you that you need to keep an eye on. If you receive bills or statements for things you didn't purchase—or bills or statements go missing from your mail—you'll want to be on the lookout for identity thieves. <a href='" + schoolurl + "/Category.aspx?28' target='_blank'>Learn how to protect yourself and what to do if you think it's happened to you.</a>";

arrQuiz[4] = new Array();
arrQuiz[4][0] = "false|Nada.|Take this approach and you won't have any credit to build. Developing good payment habits, including making your credit payments on time (and in full), can help you establish credit you can be proud of. <a href='" + schoolurl + "/Category.aspx?32' target='_blank'>Learn more about building good credit.</a>";
arrQuiz[4][1] = "false|Ouch!|Take this approach and you'll build debt, not credit. In fact, carrying big balances on your credit cards can lower your credit. Pay your bills on time—and in full—to establish credit you can be proud of. <a href='" + schoolurl + "/Category.aspx?32' target='_blank'>Learn more about building good credit.</a>";
arrQuiz[4][2] = "true|Believe it!|Paying your bills on time, from your rent to your student loans to your credit cards, is the single most important thing you can do to establish credit you can crow about. <a href='" + schoolurl + "/Category.aspx?32' target='_blank'>Learn more about building good credit.</a>";

arrQuiz[5] = new Array();
arrQuiz[5][0] = "false|You think?|You wouldn't even be able to pay off the principal (or the amount you borrowed) let alone the interest in 2 ½ years. Try 8 years. By the way, you'll end up paying almost $2,600 in interest in addition to the $3,000 you borrowed. <a href='http://www.calcxml.com/do/det01?skn=124' target='_blank'>See for yourself how credit card interest can add up.</a>";
arrQuiz[5][1] = "false|Try again!|After 5 years of paying the minimum every month, you will have paid about half of your $3,000 balance plus about $2,200 in interest. It would take you an additional 3 years to pay off your entire balance. <a href='http://www.calcxml.com/do/det01?skn=124' target='_blank'>See for yourself how credit card interest can add up.</a>";
arrQuiz[5][2] = "true|To your credit!|Almost 8 years and $2,587 later, you will have finally paid off your credit card bill. <a href='http://www.calcxml.com/do/det01?skn=124' target='_blank'>See for yourself how credit card interest can add up.</a>";

arrQuiz[6] = new Array();
arrQuiz[6][0] = "false|True, but...|Believe it or not, your credit score is a sign of more than your ability to make timely payments. An auto insurer may also want to check your credit score because they see a correlation between poor credit and the likelihood that you'll file a claim. Lower credit scores may mean higher premiums. <a href='" + schoolurl + "/Article.aspx?137' target='_blank'>Learn more about how your credit score may affect you.</a>";
arrQuiz[6][1] = "false|That's not the whole story...|True, auto insurers will check your credit score since they see a correlation between your score and the likelihood you'll file an insurance claim. But landlords also want to know whether your score is high, low, or just so-so when deciding whether to rent you an apartment. <a href='" + schoolurl + "/Article.aspx?137' target='_blank'>Learn more about why building good credit is important.</a>";
arrQuiz[6][2] = "true|Score!|Your credit score can affect your ability to get a loan, an apartment, or even a job. It can also affect the interest rate you pay to borrow or the premiums you pay for insurance. <a href='" + schoolurl + "/Article.aspx?137' target='_blank'>Learn more about why building good credit is important.</a>";

arrQuiz[7] = new Array();
arrQuiz[7][0] = "false|Strike!|While debit cards may charge a variety of fees, they don't charge interest rates like credit cards. That's because the money you spend on your debit card comes directly out of your bank account. The only time you pay interest is if you overdraw your account balance. On the other hand, a credit card purchase is a loan that you'll have to pay interest on if you don't pay your bill in full and on time. <a href='" + schoolurl + "/Article.aspx?20' target='_blank'>Learn more about the differences between debit and credit.</a>";
arrQuiz[7][1] = "true|Win!|When you use a debit card, the money comes directly out of your bank account. A purchase you make on a credit card, on the other hand, is a loan on which you'll pay interest if you don't pay your bill in full and on time. <a href='" + schoolurl + "/Article.aspx?20' target='_blank'>Learn more about the pros and cons of debit and credit.</a>";
arrQuiz[7][2] = "false|Fail!|Just because the cashier asks you \"debit\" or \"credit\" doesn't mean they're the same thing. When you use a debit card, the money comes out of your bank account. The money you spend on a credit card, on the other hand, is a loan that you'll have to pay interest on if you don't pay your bill in full and on time. <a href='" + schoolurl + "/Article.aspx?20' target='_blank'>Learn more about the differences between credit and debit.</a>";

arrQuiz[8] = new Array();
arrQuiz[8][0] = "false|Bad deal.|While the weekly rental fee may seem reasonable, at the end of the day you could easily pay at least 100% more if you rent-to-own rather than if you buy your TV outright. <a href='" + schoolurl + "/Article.aspx?104' target='_blank'>Learn more about rent-to-own plans and other quick—and risky— financial fixes.</a>";
arrQuiz[8][1] = "false|You're joking, right?|You'll end up paying oodles of interest if you use your credit card to pay off your TV over time. However, buying with plastic and paying the bill in full when it comes due will not only help you establish good credit. You may also be able to take advantage of a free extended warranty on electronics that some credit cards offer. <a href='" + schoolurl + "/Category.aspx?12' target='_blank'>Learn more about the advantages and risks of credit cards.</a>";
arrQuiz[8][2] = "true|Smart move!|Using a credit card and paying your bill in full when it comes due will not only help you establish good credit. You may also be able to take advantage of the free extended warranty on electronics that some credit cards offer. <a href='" + schoolurl + "/Article.aspx?13' target='_blank'>Learn more about building good credit.</a>";

arrQuiz[9] = new Array();
arrQuiz[9][0] = "false|Think again!|From the time you start earning income—whether from working in the college library or babysitting—you can begin putting money into an individual retirement account, or IRA. The sooner you take advantage of these tax-favored plans, the bigger your savings can grow. <a href='" + schoolurl + "/Category.aspx?46' target='_blank'>Learn more.</a>";
arrQuiz[9][1] = "false|Get with the program!|You won't have the money to retire if you wait until your 50s or 60s to begin saving for it! You can begin investing in a tax-favored individual retirement account, or IRA, as soon as you start earning money—whether from your first job delivering newspapers or your first full-time position after college. <a href='" + schoolurl + "/Category.aspx?46' target='_blank'>The sooner you start, the more your savings can grow.</a>";
arrQuiz[9][2] = "true|You're on it!|From the time you start earning income—whether from working in the college library or delivering newspapers—you can begin putting your money into an individual retirement account, or IRA. The sooner you start investing in one of these tax-favored plans, the bigger your savings can grow. <a href='" + schoolurl + "/Category.aspx?46' target='_blank'>Learn more.</a>";

arrQuiz[10] = new Array();
arrQuiz[10][0] = "false|Not even in the ballpark!|While you would have contributed $52,800 to your account by the time you reach 65, your account would gain an additional $409,800 in compound earnings, bringing its value to $462,600! Not bad for a modest $100 a month contribution. <a href='" + schoolurl + "/Article.aspx?209' target='_blank'>Learn more about the miracle of compound interest.</a>";
arrQuiz[10][1] = "false|Way off!|Try $462,600. That's how much your modest monthly $100 contribution would have grown thanks to compound earnings. <a href='" + schoolurl + "/Article.aspx?209' target='_blank'>Learn more about the miracle of compound interest.</a>";
arrQuiz[10][2] = "true|Jackpot!|By the time you turn 65, your modest monthly contribution of $100 would have swelled to a sizeable nest egg thanks to compound earnings. <a href='" + schoolurl + "/Article.aspx?209' target='_blank'>Learn more about how compounding can help your long-term savings grow.</a>";

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