No parents want to see a "D" on their child's report card. But that's the grade Vermont scored in the National Report Card on State Efforts to Improve Financial Literacy in High Schools, released this summer by Champlain College's Center for Financial Literacy. In fact, "Just 40 percent of states were given grades that you would want your children to bring home from school: grades A or B," states the report. "In too many of our states, our youth receive little, if any, personal finance training in middle school, high school and college." That could change, though, as Vermont and other states align with the Common Core State Standards, which require students to think about real-world math. The report asks: "What's more real than creating a budget, getting a credit card, applying for a loan and saving for retirement?"