Assess students' ability to evaluate the effectiveness and ethical implications of behavioral nudges designed to improve financial decision-making among early-career professionals; scope includes behavioral mechanisms (defaults, framing, reminders), evaluation methods (RCTs, quasi-experiments, outcome metrics), interpretation of heterogeneous and long-term effects, cost-effectiveness, and ethical considerations (autonomy, consent, privacy, equity, paternalism); students should critique empirical studies, propose an evaluation plan, and weigh trade-offs for policy or employer implementation.