As we created materials for The Good Credit Game and tested them with focus groups, we worked really hard to simplify, simplify, simply. We wanted to make sure people understood the basics of credit, understood how to improve their credit, and felt more confident dealing with a variety of credit topics. We also wanted them to have a good, non-threatening experience with credit and be hungry to learn more and want to take another credit class or see a credit counselor to take more personalized steps. Therefore, we minimized the numbers in The Good Credit Game; students aren't required to do any math in any of the lessons. Where the terminology is complicated or full of industry jargon, we used terms that were easier to understand. All of the student materials are written at an easy-to-understand 5th-grade reading level; common credit terms and complicated financial terms are listed in the instructor's guide along with simplified definitions of them. In lieu of having people look at a sample credit report with tons of numbers, nonsensical codes and arcane abbreviations, we created our own simplified credit report which better explains what one will see in a real credit report.