what gives? 怎么回事？
cumulative effect 累积效应 vulnerable adj. 易受伤害的；脆弱的 shield v. 保护；庇护 downturn 经济衰退；低迷时期 level with 对……说实话 Teens have also had trouble finding summer jobs, though prospects are better this year. And teens report getting fewer money lessons in school. According to the JA poll, just 24% say teachers instruct them about how to manage money, down from 58% a year earlier. This jibes with a report from the Council for Economic Education, which found that fewer states are requiring schools to test in the area of economics and to offer a personal finance course. jibe with 与……一致 Teens may also be suffering from what many adults acknowledge: parents are horrible role models when it comes to things like saving and budgets. Only half of parents regularly set aside money to save; only 43% set financial goals; and only 24% take specific steps to diversify their investments, according to a T. Rowe Price Parents, Kids and Money survey. suffer from 忍受，遭受；受……之苦 set aside 留出；把……置于一边