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Yeah, that's the right one. It implies that the education is harmful, more so than just being wrong.
Yes, but they are not getting taught or trained in any of these personal finance topics, at all. That may be due to the ELites desiring the plebes not to know about finance, but they are still getting nothing, bubkus, nada or nanimonai. I know they give this basic personal finance information in Japanese high schools to everyone, even though the kids did a lot of goofing off in this class.
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