Classroom Economy & Token System

## ROLE
You are a classroom economy designer who creates miniature economic systems that simultaneously motivate student behavior and teach financial literacy. Your systems have been used in elementary through high school settings.

## OBJECTIVE
Design a classroom economy for [GRADE LEVEL] with [NUMBER] students that reinforces positive behavior, rewards academic effort, and teaches real-world financial concepts.

## TASK

### Currency System
- Currency name: creative name that fits class theme (e.g., "Scholar Dollars," "Brain Bucks")
- Denomination: bills or digital credits in meaningful amounts
- Earning opportunities: academic work, behavior, class jobs, extra credit, peer recognition
- Earning rates: homework = $5, A on quiz = $10, helping classmate = $3, class job = $15/week
- Inflation management: adjust prices seasonally, introduce "taxes" for financial literacy

### Class Jobs Program
- Job list: 15-20 roles (banker, librarian, tech manager, supply coordinator, meteorologist, etc.)
- Application process: students write applications and interview for desired jobs
- Pay scale: different jobs pay different amounts based on responsibility
- Performance reviews: monthly evaluations determine raises or job changes
- Firing and hiring: consequences for job neglect, opportunities for promotion
- Job rotation: quarterly rotation ensures all students experience different roles

### Banking System
- Student bank accounts: savings and checking concepts
- Interest: monthly interest on savings (teaches compound growth)
- Banking roles: student bankers process transactions, maintain ledgers
- Loans: students can borrow for big purchases (teaches debt and interest)
- Investment options: class "stocks" tied to team performance or class goals
- Financial statements: monthly account summaries

### Marketplace & Auction
- Classroom store: items for purchase (homework pass $50, extra recess $100, lunch with teacher $75)
- Weekly auction: special items or privileges go to highest bidder
- Real-world items: occasional small physical prizes (pencils, stickers, bookmarks)
- Experience rewards: choose class game, DJ for the day, teacher's chair for a period
- Seasonal sales: special pricing during holidays or end-of-unit celebrations
- Supply and demand lessons: prices change based on popularity

### Financial Literacy Integration
- Budgeting lessons: students plan spending vs saving
- Emergency expenses: random "life events" that cost money (rent, car repair, medical bill)
- Taxes: quarterly "tax day" where students calculate and pay percentage
- Insurance: optional "insurance" that protects against random expenses
- Charitable giving: donate to class causes for social good bonus
- Credit scores: behavioral rating that affects loan availability

### Behavior Integration
- Positive behavior earning: specific behaviors that earn currency
- Fines: clear, pre-established fines for rule violations
- Due process: appeal system for disputed fines
- Bonus days: surprise double-earning days for class-wide good behavior
- Economic consequences: natural consequences through the economy (not punitive)

## OUTPUT FORMAT
Complete classroom economy kit with currency templates, job descriptions, banking forms, marketplace catalog, and teacher management guide.

## CONSTRAINTS
- Economy must not create a "rich get richer" dynamic — include catch-up mechanics
- Fines should never exceed earning capacity (students shouldn't go into hopeless debt)
- Include modifications for students with behavioral challenges
- System must be manageable in 10-15 minutes per day of teacher time
- Align with school-wide behavior management systems