Activity 06: Financial Literacy for All

interface FinancialConcept {
  conceptId: string;
  difficulty: 'basic' | 'intermediate' | 'advanced';
  prerequisites: string[]; // Other concepts needed first
  realWorldApplications: Application[];
  culturalVariations: CulturalVariation[];
  visualRepresentations: VisualAid[];
}

interface LearnerProfile {
  educationLevel: 'none' | 'primary' | 'secondary' | 'tertiary';
  literacyLevel: 'none' | 'basic' | 'functional' | 'advanced';
  numeracyLevel: 'basic' | 'functional' | 'advanced';
  primaryLanguage: string;
  culturalBackground: string;
  currentFinancialSituation: FinancialSituation;
  learningGoals: FinancialGoal[];
}

class AdaptiveFinancialEducation {
  constructor(
    private contentAdapter: ContentAdaptationEngine,
    private progressTracker: LearningProgressTracker,
    private culturalLocalizer: CulturalLocalizationEngine
  ) {}

  // TODO: Create personalized learning pathways
  async createLearningPathway(
    learnerProfile: LearnerProfile,
    timeAvailable: number, // minutes per day
    urgentNeeds: FinancialNeed[]
  ): Promise<PersonalizedLearningPath> {
    // Prioritize immediately useful skills
    // Adapt complexity to education level
    // Consider cultural financial practices
    // Your implementation here
  }

  // TODO: Multi-modal concept explanation
  async explainFinancialConcept(
    concept: FinancialConcept,
    learnerPreferences: LearningPreferences,
    culturalContext: CulturalContext
  ): Promise<MultiModalExplanation> {
    // Visual: diagrams, infographics, animations
    // Auditory: narration, podcasts, music mnemonics
    // Kinesthetic: interactive simulations, games
    // Cultural: local examples and practices
    // Your implementation here
  }

  // TODO: Scaffolded concept building
  async buildComplexConcepts(
    basicConcepts: FinancialConcept[],
    targetComplexConcept: FinancialConcept,
    learnerComprehension: ComprehensionLevel
  ): Promise<ScaffoldedLearning> {
    // Build from simple to complex
    // Check understanding at each step
    // Provide multiple examples and analogies
    // Your implementation here
  }
}

interface CulturalFinancialContext {
  traditionalSavingMethods: SavingMethod[];
  communityFinancialPractices: CommunityPractice[];
  religiousFinancialPrinciples: ReligiousPrinciple[];
  genderRolesInFinance: GenderRole[];
  trustInFormalInstitutions: TrustLevel;
  informalEconomyParticipation: number; // percentage
}

class CulturalFinancialAdapter {
  // TODO: Integrate traditional financial wisdom
  async integrateTraditionalWisdom(
    traditionalPractices: FinancialPractice[],
    modernFinancialConcepts: FinancialConcept[],
    culturalValues: CulturalValue[]
  ): Promise<IntegratedFinancialWisdom> {
    // Respect traditional saving circles (tontines, chit funds)
    // Bridge informal and formal financial systems
    // Show how traditional practices relate to modern concepts
    // Your implementation here
  }

  // TODO: Religious financial principle integration
  async adaptForReligiousFinance(
    religiousPrinciples: ReligiousPrinciple[],
    financialProducts: FinancialProduct[],
    complianceRequirements: ComplianceRequirement[]
  ): Promise<ReligiouslyCompliantEducation> {
    // Islamic finance principles (no interest/riba)
    // Christian stewardship concepts
    // Buddhist mindful consumption
    // Hindu dharmic wealth concepts
    // Your implementation here
  }

  // TODO: Gender-sensitive financial education
  async createGenderSensitiveContent(
    genderRoles: GenderRole[],
    financialDecisionMaking: DecisionMakingPattern[],
    empowermentGoals: EmpowermentGoal[]
  ): Promise<GenderSensitiveFinancialEd> {
    // Address different financial challenges by gender
    // Empower without disrespecting cultural norms
    // Provide practical strategies for various contexts
    // Your implementation here
  }
}

interface IncomePattern {
  type: 'regular_salary' | 'irregular_daily' | 'seasonal' | 'mixed';
  predictability: 'very_predictable' | 'somewhat_predictable' | 'unpredictable';
  averageMonthlyIncome: number;
  currencyType: 'formal' | 'informal' | 'mixed';
  incomeSourceDiversification: IncomeSource[];
}

interface CulturalExpenses {
  familyObligations: FamilyObligation[];
  religiousCosts: ReligiousCost[];
  socialExpectations: SocialExpectation[];
  traditionalCelebrations: CelebrationCost[];
  communityContributions: CommunityContribution[];
}

class PracticalBudgetingTools {
  // TODO: Adaptive budgeting for irregular income
  async createFlexibleBudget(
    incomePattern: IncomePattern,
    fixedExpenses: Expense[],
    culturalExpenses: CulturalExpenses,
    savingsGoals: SavingsGoal[]
  ): Promise<FlexibleBudgetPlan> {
    // Handle daily wage earners, seasonal farmers, gig workers
    // Account for cultural financial obligations
    // Provide strategies for income smoothing
    // Your implementation here
  }

  // TODO: Expense tracking with cultural sensitivity
  async trackExpensesCulturally(
    dailyExpenses: DailyExpense[],
    culturalCategoryMappings: CategoryMapping[],
    privacyPreferences: PrivacyPreferences
  ): Promise<CulturallyAwareExpenseTracking> {
    // Categorize expenses in culturally meaningful ways
    // Respect privacy around family obligations
    // Provide insights without judgment
    // Your implementation here
  }

  // TODO: Emergency fund building strategies
  async buildEmergencyFundStrategies(
    currentSavings: number,
    riskProfile: RiskProfile,
    availableSavingMechanisms: SavingMechanism[]
  ): Promise<EmergencyFundStrategy> {
    // Gradual fund building for low incomes
    // Multiple saving mechanism integration
    // Risk-appropriate fund sizing
    // Your implementation here
  }
}

class FinancialGoalGamification {
  // TODO: Progressive saving challenges
  async createSavingChallenges(
    userGoals: FinancialGoal[],
    culturalMotivators: CulturalMotivator[],
    socialSupport: SocialSupportLevel
  ): Promise<SavingChallengeProgram> {
    // 52-week challenge adaptations for different income levels
    // Cultural celebration-tied saving goals
    // Community challenges for collective motivation
    // Your implementation here
  }

  // TODO: Financial decision simulation games
  async createFinancialSimulations(
    realLifeScenarios: LifeScenario[],
    culturalContext: CulturalContext,
    learningObjectives: LearningObjective[]
  ): Promise<FinancialSimulationGame> {
    // Marriage expense planning
    // Business investment decisions
    // Emergency response scenarios
    // Education financing strategies
    // Your implementation here
  }

  // TODO: Achievement system for financial milestones
  async createFinancialAchievementSystem(
    milestonTypes: MilestoneType[],
    culturalRecognitionStyles: RecognitionStyle[],
    privacySettings: PrivacySettings
  ): Promise<FinancialAchievementSystem> {
    // Celebrate progress without revealing specific amounts
    // Culturally appropriate recognition methods
    // Family and community sharing options
    // Your implementation here
  }
}

interface FinancialInstitutionLandscape {
  availableInstitutions: FinancialInstitution[];
  accessBarriers: AccessBarrier[];
  documentationRequirements: DocumentRequirement[];
  languageSupport: LanguageSupport[];
  culturalAccommodations: CulturalAccommodation[];
}

class FinancialInstitutionNavigator {
  // TODO: Bank account opening guidance
  async guideAccountOpening(
    userProfile: UserProfile,
    institutionLandscape: FinancialInstitutionLandscape,
    specificNeeds: FinancialNeed[]
  ): Promise<AccountOpeningGuidance> {
    // Step-by-step process explanation
    // Required documentation checklist
    // Questions to ask bank representatives
    // Rights and protections explanation
    // Your implementation here
  }

  // TODO: Financial product comparison tools
  async compareFinancialProducts(
    availableProducts: FinancialProduct[],
    userCircumstances: UserCircumstances,
    decisionCriteria: DecisionCriteria[]
  ): Promise<ProductComparison> {
    // Simple comparison of fees, requirements, benefits
    // Highlight important terms and conditions
    // Calculate total cost of ownership
    // Your implementation here
  }

  // TODO: Rights and protections education
  async educateAboutRights(
    localFinancialRegulations: Regulation[],
    consumerProtections: ConsumerProtection[],
    disputeResolutionProcesses: DisputeProcess[]
  ): Promise<RightsEducation> {
    // Know your rights as a financial consumer
    // How to file complaints
    // What to do if treated unfairly
    // Your implementation here
  }
}

interface SmallBusinessContext {
  businessType: 'trading' | 'service' | 'production' | 'agriculture';
  businessStage: 'idea' | 'startup' | 'growing' | 'established';
  recordKeepingCapacity: 'none' | 'basic' | 'advanced';
  marketEnvironment: MarketEnvironment;
  regulatoryEnvironment: RegulatoryEnvironment;
}

class EntrepreneurshipFinancialSupport {
  // TODO: Simple business record keeping
  async createBusinessRecordKeeping(
    businessContext: SmallBusinessContext,
    literacyLevel: LiteracyLevel,
    technologyAccess: TechnologyAccess
  ): Promise<BusinessRecordSystem> {
    // Simple income and expense tracking
    // Visual tools for non-literate users
    // Integration with mobile money systems
    // Your implementation here
  }

  // TODO: Cash flow management tools
  async manageCashFlow(
    businessCashFlow: CashFlowPattern,
    seasonalVariations: SeasonalVariation[],
    paymentTerms: PaymentTerm[]
  ): Promise<CashFlowManagementPlan> {
    // Predict cash flow challenges
    // Strategies for managing seasonal businesses
    // Customer payment management
    // Your implementation here
  }

  // TODO: Investment and growth planning
  async planBusinessGrowth(
    currentBusinessState: BusinessState,
    growthOpportunities: GrowthOpportunity[],
    investmentCapacity: InvestmentCapacity
  ): Promise<GrowthPlan> {
    // When and how to reinvest profits
    // Scaling strategies appropriate to context
    // Risk management for business expansion
    // Your implementation here
  }
}

class CommunityFinancialEmpowerment {
  // TODO: Saving groups and rotating credit
  async facilitateSavingGroups(
    communityMembers: CommunityMember[],
    savingGroupType: 'rotating_credit' | 'accumulating_savings' | 'mixed',
    trustNetwork: TrustNetwork
  ): Promise<SavingGroupPlatform> {
    // Digital tools for traditional saving circles
    // Transparent record keeping
    // Dispute resolution mechanisms
    // Your implementation here
  }

  // TODO: Peer financial education
  async enablePeerEducation(
    communityExperts: CommunityExpert[],
    learningNeeds: CommunityLearningNeed[],
    culturalTeachingMethods: TeachingMethod[]
  ): Promise<PeerEducationPlatform> {
    // Community members teaching each other
    // Recognition for peer educators
    // Quality assurance for peer-generated content
    // Your implementation here
  }

  // TODO: Collective bargaining for financial services
  async facilitateCollectiveBargaining(
    communitySize: number,
    collectiveNeeds: CollectiveFinancialNeed[],
    negotiationCapacity: NegotiationCapacity
  ): Promise<CollectiveBargainingPlatform> {
    // Group negotiations with financial institutions
    // Collective purchasing power for better rates
    // Advocacy for community financial needs
    // Your implementation here
  }
}