Question Master Script/Lifesmarts Competition

Note to Coaches: This file contains three rounds of retired competition questions that were used at the state level in 2011. Rounds 7 and 8 are similar to what your team will see in the first rounds of competition at nationals. Round 14 is a round more akin to the quarterfinals on Monday. Beginning on Page 40 there are three sets of lightning round questions. Round 7

Question Master Script/LifeSmarts Competition Difficulty: 2

I would like to invite our teams to come forward.

(Wait while the teams are seated on the stage.)

My name is ______and I will be the Question Master for this round of competition. I would like to ask the other officials working with me to introduce themselves.

Thank you.

We’ll begin with the team-plus questions. Before we begin, let’s test the buzzers.

(Ask all students to test their buzzers, starting with the student nearest you and going down the line. The timekeeper will reset the buzzers after each student tests his/her buzzer.)

Thank you.

This first question is for the first player on each team. The person who buzzes in and gives me the correct answer wins control of the question.

Each correct answer is worth five points.

Let’s begin.

1 Team-Plus Questions #1 17067

Extracting, processing, and using natural resources can cause environmental problems. Give one example:

ANSWER: Disruption or destruction of ecosystems; a decrease in biodiversity; pollution, land pollution, water pollution, air pollution, habitat destruction

Now you have a chance to add five more points to your score. You can work with your teammates on this one.

Add-on #1 8571

Name one cause of the decline of ocean wildlife and collapse of ocean ecosystems:

ANSWER: Overfishing at sea; over-development along the coasts; increasing pollution from cities and fields

If Add-on #1 is answered correctly, ask: Add-on #2 For five more points,

Remains of plant and animal life that provide energy are called this type of fuel:

ANSWER: Fossil fuels

Name one disadvantage of leasing a car:

ANSWER: You don’t actually own the car; you don’t have collateral at the end of the lease; you can’t modify the car as you could if you owned it; you could be charged for excessive mileage; you may be charged for any damage to the vehicle; you may have to have the maximum insurance coverage for a leased vehicle; if you wish to buy the car at the end of the lease you will have to decide very quickly to do so

Add-on #1 16570

A vehicle that is fuel efficient is good for your wallet and the environment. Name one federal agency that provides consumers with information about fuel economy:

ANSWER: EPA Environmental Protection Agency; DOE Department of Energy; NHTSA National Highway Traffic Safety Administration

If this happened to your car, the creditor must notify you of the date your car will be auctioned:

ANSWER: The car was repossessed

When riding a bicycle, how should you signal stopping?

ANSWER: Hold out your left hand to your left side. Bend at the elbow, and point your fingertips downward. The finished signal appears as an upside- down “L”.

Add-on #1 17241

When buying groceries, what does the “sell by” date indicate?

ANSWER: The amount of time the store can display the item, although it can still be consumed after this date

Name one of the three most common food additives used in the US:

ANSWER: Salt, sugar, corn syrup

The number one crime on college campuses is:

ANSWER: Theft

Add-on #1 11046

Name one piece of personal information that you should avoid including on your personal check:

ANSWER: Social Security number, driver’s license, telephone number

What is a scheme called where you send money to a person at the top of the list and move your name up, and the people below you send you money?

ANSWER: Pyramid; a pyramid; a chain letter; a gifting club

5 (End of Team-Plus Questions)

Great round! Let’s check the scores.

(Read the scores or ask the scorekeeper to read the scores.)

Before we begin the challenge round, do we have any alternates? (Wait for alternates to be seated.)

Remember: you may buzz in at any time during the question. However, I will stop reading the question when you buzz in.

Please do not give an answer until I call your name.

Correct answers are worth 10 points. There are 15 questions, so it’s still anyone’s game!

Let’s begin.

6 Challenge Question 1 16988

Name one way that drinking bottled water adds to your carbon footprint:

ANSWER: Shipping costs; flight emissions; emissions from making the bottle; emissions from recycling it; emissions from shipping it

Challenge Question 2 9106

A Chapter 13 bankruptcy remains on a credit report for how long?

ANSWER: 7 years; 7 years from the discharge date

There are more than 7,000 varieties of this fruit, which is ripe when picked. Americans eat an average of 18 pounds of this per year:

ANSWER: Apples

A general, prolonged rise in the prices of goods and services across the economy is called:

ANSWER: Inflation

You have been hired to wait tables at “Enchilada Joes.” Which one of the following items can be used to prevent burns when serving: a wet rag, rubber gloves, or a waiter’s towel?

ANSWER: Waiter’s towel

You’re on a Web site and you see a link called FAQ. What does this stand for?

ANSWER: Frequently Asked Questions

When drinking water from a faucet that has not been used for more than six hours the EPA recommends that you flush the faucet by running the cold water until the water is as cold as it can get. Why?

ANSWER: When water sits in your home pipes it may be exposed to lead; the longer water sits the more lead it may contain; by flushing you bypass the water that may contain high quantities of lead for water that has not been sitting in your home pipes

You really want a new outfit before school starts in the fall. What impact will it have on your purchasing decision if you pay by cash rather than credit?

ANSWER: You limit your purchase to what you can afford; you can only spend the money you have; you may not be able to buy it because you do not have enough cash

8 Question Master Script

We’re about halfway through the Challenge Round, so let’s stop and check the scores.

(Ask the scorekeeper to give the scores.)

There are seven questions remaining. Good luck teams!

Let’s continue.

The Nutrition Labeling and Education Act of 1990 mandated nutrition labeling for almost all processed foods and established voluntary point-of- purchase nutrition information for three types of food. Name one of these three:

ANSWER: Raw fruits, vegetables, and fish

Someone who uses goods and services is better known as a:

ANSWER: Consumer

Second-degree burns have four main symptoms. Name one:

ANSWER: Blisters; rough red skin; swelling; extreme pain

The name that identifies a Web site is called its:

ANSWER: Domain name; domain

You are aware of the risks that come with peer-to-peer file sharing. Name one way to lower these risks:

ANSWER: Install file-sharing software carefully; Check settings so that other users of the file-sharing network won't have access to your private files, folders, or sub-folders; Use a security program; disconnect from the P2P network when you are not using it; Back up data you don't want to lose in case of a computer crash; Use a password to protect any files that contain sensitive information

Name one of the top two categories for teen spending?

ANSWER: Food, clothes

During a lightning storm, which type of phone should you use to tell someone you are safe: house, landline or cellular?

ANSWER: Cellular

11 (At the end of the Challenge Round)

Great Competition! Let’s check the scores.

(Read each team’s score.)

The scores show that ______is the winning team. Congratulations!

12 Round 8

Thank you.

The rules remain the same as they have been all day.

The first round of competition is the team-plus round.

The second round is the challenge round.

Before we begin, let’s test the buzzers.

(Ask all students to test their buzzers, starting with the student to your far left, and going down the line. The timekeeper will reset the buzzers after each student tests his/her buzzer.)

Thank you.

All right, this question is to the first player on each team.

13 Team-Plus Question #1 16225

Net neutrality is about regulation of this:

ANSWER: Internet access

Add-on #1 15042

PPC or pay-per-click is used in online advertising. It means that the Web publisher will receive revenue each time a user does what?

ANSWER: Clicks on an ad

The process of proving the identity of a computer or computer user, usually involving a user name and password, is known as:

ANSWER: Authentication

After a flood, the toys and equipment in your home are soaking wet and covered in mud. What should you be sure to do while rinsing things off?

ANSWER: Make sure to disinfect everything

Add-on #1 11207

This type of violent storm is most prevalent in the United States as compared to other parts of the world. What is it?

ANSWER: Tornado

Your home doesn’t have a basement, and a severe storm is approaching. To stay as safe as possible, where should you go on the first floor of the home?

ANSWER: Under a heavy work table or stairs; in an interior room like a closet or bathroom; into the bathtub with cushions over you

When a person dies, a legal document certifies the date and place of the person's death. This document is called a:

ANSWER: Death certificate

Add-on #1 3827

A legal document that shows ownership of an automobile is called the:

ANSWER: Title

Two or more people who share ownership rights to a piece of property, are called:

ANSWER: Co-owners; joint owners; joint tenants; tenants in common

The nerve that carries messages from the retina to the brain is called?

ANSWER: Optic nerve

Add-on #1 6067

The human brain is divided into lobes. How many lobes are there?

ANSWER: Four

What two parts make up the body's central nervous system?

ANSWER: Brain and spinal cord

Let’s begin.

Name two common reasons you might receive a discount on your automobile insurance policy:

ANSWER: Good grades; took a driver’s education course; no or few accidents; no or few violations; use seat belts; have antitheft devices such as car alarms installed; have safety equipment installed (such as airbags); insure two ore more vehicles under the same policy; have both auto and home insurance with the same company; are a long-time customer

Methane, nitrous oxide, ammonia, sulfur dioxide, carbon dioxide, and certain chlorinated hydrocarbons that affect the overall heat-retaining properties of the Earth’s atmosphere are known as:

ANSWER: Greenhouse gases

After June 2009, U.S. consumers were no longer able to receive what type of signal?

ANSWER: Analog TV signal, analog programming, analog broadcasting

List two criteria you should use when selecting food for a disaster supply kit:

19 ANSWER: Non-perishable, requires no refrigeration, no preparation required, no cooking required, requires little or no water, compact food, lightweight food

It is illegal in the US for a person to be married to more than one person at a time. This illegal act is called:

ANSWER: Bigamy; polygamy

Name two wild animals that you should be aware have a greater chance of carrying and transmitting rabies?

ANSWER: Bats, raccoons, skunks, coyotes and foxes

Name one reason the spouse of an employee may be eligible for COBRA continuation health coverage?

ANSWER: Voluntary or involuntary termination of the covered employee's employment for any reason other than gross misconduct; Reduction in the hours worked by the covered employee; Covered employee's becoming entitled to Medicare; Divorce or legal separation of the covered employee; Death of the covered employee; retirement of the covered employee

What law authorizes the EPA to set limits on how much of a pollutant is allowed in the air anywhere in the United States?

20 ANSWER: Clean Air Act

We’re about halfway through the Challenge Round, so let’s stop and check the scores.

There are seven questions remaining. Good luck teams!

Let’s continue.

Tap water is usually disinfected using chlorine, chloramine, ozone, or ultraviolet light. Which two of these are most commonly used to disinfect tap water?

ANSWER: Chlorine and chloramine

The Equal Pay Act requires that men and women be given equal pay for equal work in the same establishment. Pay differentials are permitted when they are based on several factors. Name one of these factors:

ANSWER: Seniority; merit; quantity or quality of production; or a factor other than gender

Name two symptoms a person may experience after ingesting poison:

ANSWER: Nausea, vomiting, diarrhea, abdominal cramps, depressed heartbeat and respiration, headaches, hallucinations, dry mouth, unconsciousness, coma

Most products we buy contain a UPC code. What does the acronym UPC stand for

ANSWER: Universal Product Code

There are three primary sources of lead exposure for most children. Name one:

ANSWER: Deteriorating lead-based paint, lead contaminated dust, lead contaminated residential soil

Name two things you can do to protect yourself against identity theft:

ANSWER: Pay attention to bank statements (reconcile accounts, identify unfamiliar transactions, etc.); be aware when statements are supposed to arrive and if they seem to be late or missing; guard your mail as much as possible from thieves (don’t let it sit in your mailbox too long, drop outgoing mail in a postal service collection box, etc.); never give out personal information unless you are absolutely certain you are dealing with someone with a bona fide need for it; actively safeguard your personal information (don’t leave receipts lying around; invest in a shredder, etc.); make personal identification numbers complicated rather than simple (sacrifice your own convenience for greater security); assume that ID theft CAN happen to you.

To protect your company’s privacy, what does your company always do before donating a computer to a local school or non-profit?

ANSWER: Removes all data from the hard drive; wipes it clean; cleans the memory; degausses data; overwrites data; scrubs the data; formats the hard drive

24 Round 14: Semifinals

Thank you.

In this match we will follow this format:  team-plus questions  a team activity  and 20 challenge questions.

Before we begin, let’s test the buzzers.

(Ask all students to test their buzzers, starting with the student nearest you and going down the line. The timekeeper will reset the buzzers after each student tests his/her buzzer.)

Thank you.

This first question is for the first player on each team.

Teams, are you ready?

Let’s begin.

The Constitution of the United States may be amended when two thirds of each house of Congress approves a proposed amendment and what proportion of states ratifies it?

ANSWER: Three fourths

Add-on #1 15257

In this form of direct lawmaking, a group of voters signs a petition asking for a specific law. If enough people have signed the petition, the qualified voters must be given a chance to vote for or against the proposed law. This is called:

ANSWER: An initiative

A treaty which modifies or supplants another treaty is called what?

ANSWER: Protocol

What is the technology that helps drivers maintain control of their vehicle during extreme steering maneuvers by keeping the vehicle headed in the driver’s intended direction?

ANSWER: Electronic Stability Control; ESC

Add-on #1 19263

Side-impact head air bags can protect vehicle occupants during a rollover crash from injury and this danger:

ANSWER: Ejection

Describe the difference between “spinning out” and “plowing out” when you lose control of your vehicle:

ANSWER: Spinning out occurs when control is lost on the rear of the vehicle, and plowing out occurs when control is lost at the front of the vehicle

In terms of consumer privacy, name one of the commonly accepted principles for fair information practices:

ANSWER: Notice; choice; access; security; enforcement, redress;

Add-on #1 18106

This federal act requires that children under the age of 13 obtain parental consent before providing personal information over the Internet:

ANSWER: Children’s Online Privacy Protection Act (COPPA)

The Federal Universal Service Fund provides discounts for low income consumers so they can receive what service?

ANSWER: Monthly telephone service; telephone installation; Lifeline; Link-Up

Give two examples of public lands managed by the federal government:

ANSWER: National forests, national parks, Bureau of Land Management (BLM) lands, national wildlife refuges, historic sites, cultural sites, wilderness areas

Add-on #1 14254

This element is commonly used in fertilizers, ammonia, TNT, and constitutes nearly four-fifths of the air we breathe. It is:

ANSWER: Nitrogen

You live in a large metropolitan area and get your water from municipal sources. Each year by July 1st you should receive this report in the mail from your water supplier that tells where your water comes from and what’s in it:

ANSWER: Water quality report; drinking water quality report, consumer confidence report

29 Question Master Script (End of Team Plus Questions)

Next up is the team activity. You will work together to solve a problem or answer questions about a topic. You will have two minutes to complete the activity. The judges will review your answers, and may award up to 15 points for each team.

When the buzzer sounds, please put down your pen.

Are you ready teams?

You may begin.

(activity is on the next page)

(When the judges have scored the activities, ask the head judge to announce the scores earned by each team.)

30 Drug Facts Label

Demonstrate your knowledge of the Drug Facts Label by answering these questions.

1. This federal agency regulates the Drug Facts Label:

______

2. This section includes phrases like “take one tablet every 4 hours, do not take more than directed”:

______

3. The symptoms or illness an OTC medicine is meant to treat are listed in this section:

______

4. To avoid overdose because the same drug could be in another medication you are taking, check this:

______

5. This section often includes a telephone icon  and a telephone number:

______

31 The Drug Facts Label – KEY

Demonstrate your knowledge of the Drug Facts Label by answering these questions.

1. This federal agency regulates the Drug Facts Label:

The Food and Drug Administration

2. This section includes phrases like “take one tablet every 4 hours, do not take more than directed”:

Directions Section; Directions

3. The symptoms or illness an OTC medicine is meant to treat are listed in this section:

The Uses Section; Uses

4. To avoid overdose because the same drug could be in another medication you are taking, check this:

Active Ingredients; the Active Ingredients Section

5. This section often includes a telephone icon  and a telephone number:

Questions Section; Questions

Let’s begin.

A request by a customer that a financial institution not share the customer’s information with another party is described as:

ANSWER: Opt out

What is a meta search engine?

ANSWER: They search search-engines; Meta search engine sites access a few different search engines and aggregate the results

The keyword PASS helps you to remember how to use your fire extinguisher. What does the acronym PASS stand for?

ANSWER: Pull, Aim, Squeeze, Sweep; Pull the pin on the fire extinguisher; Aim the nozzle at the base (bottom) of the fire; Squeeze the extinguisher handle; Sweep the nozzle from side to side while continuing to direct it at the base of the fire

In computer terms, the acronym VPN stands for:

ANSWER: Virtual Private Network

Explain how fake check scams work:

ANSWER: Con artists trick consumers into accepting phony checks or money orders and wiring some of the money in return

What is pharming, spelled P-H-A-R-M-I-N-G?

ANSWER: Someone planting programs on your computer to hijack your browser

A condition in which too much sugar is in the blood is:

ANSWER: Hyperglycemia

One medical theory provides patients with remedies based on their symptoms and personality. The remedy will usually cause a reaction similar to the symptom. This medical practice is called:

ANSWER: Homeopathy

What is a credit freeze?

ANSWER: This allows a consumer to restrict access to his or her credit report

Who are prime targets for predatory lenders?

ANSWER: People in lower-income groups; people who are feeling financial pressure

We’re halfway through the Challenge Round, so let’s stop and check the scores.

There are 10 questions remaining. Good luck teams!

Let’s continue.

Name two common uses of lead that pose problems for human exposure:

ANSWER: Paint, gasoline, household pipes, food cans (soldering)

Identify two of the five air pollutants regulated by the Clean Air Act:

ANSWER: Ground-level ozone; particle pollution; carbon monoxide; sulfur dioxide; nitrogen dioxide

What is IP Relay service?

ANSWER: IP Relay allows people who have difficulty hearing or speaking to communicate with anyone in the world through an Internet connection; IP Relay is accessed using a computer and the Internet

Which agency within the federal government approves personal flotation devices or life jackets?

ANSWER: The Coast Guard

Name two types of commodities that are included in the COOL, or Country of Original Labeling regulation:

ANSWER: Beef, lamb, pork, goat, chicken and ground meats, farm raised fish, shellfish, peanuts, pecans and macadamia nuts, fresh fruits and vegetables

An injured person is showing the signs of shock due to injuries to the head. The appropriate position for this person is to lie on:

ANSWER: The back

Describe what is meant by disposable income:

ANSWER: They money you have to use as you wish; the money you have left after deductions have been withheld from your gross pay

If dry-cleaned goods have a strong chemical odor when you pick them up, you should not accept them until they have been properly dried. Why is it important to take this environmental and health precaution?

ANSWER: Because the chemical (perchloroethylene) most widely used in dry cleaning has been shown to cause cancer in animals

Broadband Internet service is available in a variety of forms and speeds. Arrange the following in order from the typically slowest form to the fastest. Your answers are: Cable modem, fiber optic, DSL:

ANSWER: DSL, Cable modem, fiber optic

What type of fire extinguisher is intended for use with fires involving combustible materials (like wood or paper), flammable liquids, kitchen grease or electrical equipment?

ANSWER: Type ABC

40 Question Master Script (End of Team Questions)

The next round is the Lightning Round. Each team will select one category, and each category contains 10 related questions. The team that wins the toss-up challenge question will choose the first category. The team has two minutes to answer all the questions. Time’s up when the timer buzzes, even if we haven’t finished the entire set. Questions are open-ended and correct answers are worth 5 points. You may discuss your answers as a team, but the captain must give the answers. Once your answer is given I will begin reading the next question. If you get stuck, you can say “pass,” but I won’t return to that question. The judges will track your correct answers and give us your final score at the end of the category.

Everyone should grab a buzzer. The toss-up question is:

Toss-up #1 14315 Material from products that were used by consumers and would otherwise be discarded, but is instead used in recycled goods is what type of content?

ANSWER: Post consumer

41 Congratulations to ______(team name)______. You may pick the first category. The categories are:

 Banking Acronyms  Threatened, Endangered, or Extinct  Cooking Temperatures

(Ask the Captain of the team that wins the toss-up to choose a category, and then rotate to the other team.)

(If neither team correctly answers the toss-up question, go to the extra questions at end of the match and use one of those.)

(There are three rounds – only one per team will be used; one is an extra round.)

42 Lightning Round: Personal Finance Banking Acronyms

1. Banking uses many acronyms. What does PIN stand for? a. Personal Identification Number

2. What does ATM stand for? a. Automatic Teller Machine; Automated Teller Machine

3. What does APY stand for? a. Annual Percentage Yield

4. What is an EFT? a. Electronic Funds Transfer

5. What does S&L stand for? a. Savings and Loan

6. What does this NSF stand for? a. Non-sufficient Funds; not sufficient funds

7. What does APR stand for? a. Annual Percentage Rate

8. What does FDIC stand for? a. Federal Deposit Insurance Corporation

9. What does ACH stand for? a. Automated Clearinghouse

10. Name two of the items CAMEL stands for when rating the safety of a bank: a. Capital, Assets, Management, Earnings, Liquidity

43 Lightning Round: Environment Threatened, Endangered, or Extinct

I am going to list 10 animals and birds and you will tell me whether each one is threatened, endangered, or extinct.

1. The Passenger pigeon a. EXTINCT

2. The jaguar a. ENDANGERED

3. The Polar Bear a. THREATENED

4. The Northern Spotted Owl a. THREATENED

5. The Bald Eagle a. THREATENED

6. The Atlantic Salmon a. ENDANGERED

7. Sea Mink a. EXTINCT

8. Dodo Bird a. EXTINCT

9. Sierra Nevada Bighorn Sheep a. ENDANGERED

10. The Grizzly Bear a. THREATENED

44 Lightning round: Health Cooking Temperatures

To be safe to eat, foods must be cooked to proper internal temperatures. I’m going to ask you about ten different foods. Give me the proper cooking temperature in Fahrenheit for each one.

1. Sirloin steak: a. 145 degrees

2. Pork roast: a. 160 degrees

3. Leftovers: a. 165 degrees

4. Ground beef: a. 160 degrees

5. Egg dishes: a. 160 degrees

6. Casseroles: a. 160 degrees

7. Chicken breast: a. 165 degrees

8. Lamb chops a. 145 degrees

9. Whole, roast turkey: a. 165 degrees

10. By cooking foods to the proper internal temperature, you will kill what? a. Bacteria; harmful bacteria