We have fully issued United States utility patents which makes Budget Challenge the only program that can send out fake bills and reconcile fake payments with multiple due dates. At first pass, this might not sound like much. However, adding transactions like paying bills allows Budget Challenge to do something that no other program can. We can test students on whether or not they can actually do personal finance in the real world. We can also score students on the demonstration of important skills such as paying bills on-time, saving for retirement and much more. The difference is night and day. Other programs just talk about personal finance. If you want students to have an ultra-realistic practice round before using their own real money, you have found the right place.