Assess undergraduates' ability to analyze how common cognitive biases (e.g., confirmation bias, loss aversion, overconfidence, anchoring, present bias, herd behavior) affect personal budgeting and investment decisions; tasks include identifying biases in brief scenarios, evaluating short- and long-term financial consequences for student goals, and recommending practical, evidence-based mitigation strategies suitable for student finances (budget rules, emergency funds, diversification, automated saving).