Test advanced ability to analyze how cognitive biases (e.g., loss aversion, present bias, overconfidence, confirmation bias) interact with components of emotional intelligence (self-awareness, self-regulation, motivation, empathy) to shape long-term personal financial planning decisions; assess learners' capacity to evaluate case scenarios, diagnose bias-driven emotional influences on retirement saving, investment and debt strategies, and propose evidence-based mitigation techniques and measurable interventions drawing on behavioral finance and emotion-regulation frameworks.