【单选题】

Of all the lessons taught by the financial crisis, the most personal has been thatAmericans aren’t so good at money-management. We take out home loans we can’t afforD、We run up sky-high credit-card debt. We don’t save nearly enough for retirement.

In response, supporters of financial-literacy education are moving with renewed enthusiasm. School districts in states such as New Jersey and Illinois are adding money-management courses to their curriculums. The Treasury andEducation departments are sending lesson plans to high schools and encouraging students to compete in the National FinancialCapabilityChallenge that begins in March.
Students with top scores on that exam will receive certificates--but chances for long-term benefits are slim.As it turns out, there is little evidence that traditional efforts to boost financial know-how help students make better decisions outside the classroom.Even as the financial-literacy movement has gained steam over the past decade, scores have been falling on tests that measure how well students learn about things such as budgeting, credit cards, insurance and investments.
A、recent survey of college students conducted for the JumpStartCoalition for Personal Financial Literacy found that students who’d had a personal-finance or money-management course in high school scored no better than those who hadn’t.
"We need to figure out how to do this the right way," says Lewis Mandell, a professor at the University of Washington who after 15 years of studying financial-literacy programs has come to the conclusion that current methods don’t work.
A、growing number of researchers and educators agree that a more radical approach is needeD、They advocate starting financial education a lot earlier than high school, putting real money and spending decisions into kids’hands and talking openly about the emotions and social influences tied to how we spenD、
Other initiatives are tackling such real-world issues as the commercial and social pressures that affect pur-chasing decisions. Why exactly do you want those expensive brand-name shoes so badly "It takes confidence to take a stand and to think differently," says JerooBillimoria, founder ofAflatoun, a nonprofit whose curriculum, used in more than 30 countries, aims to help kids get a leg up in their financial lives. "This goes beyond money and savings.\
Lewis Mandell suggests that we should figure out how to______.
A、carry out financial-literacy education properly
B．manage money in a more efficient way
C．help students score better in money-management courses
D．improve the social awareness of financial education