[
  {
    "id": "BUD101",
    "title": "Budgeting Essentials",
    "category": "Budgeting",
    "level": "Beginner",
    "duration": "6h",
    "price": 49.00,
    "rating": 4.7,
    "shortDescription": "Build a realistic budget and track expenses with confidence.",
    "description": "Learn to map income and expenses, set spending limits, and adjust for irregular costs. Practice with step-by-step worksheets and real-life scenarios.",
    "tags": ["budget", "expenses", "cash flow"]
  },
  {
    "id": "DEB102",
    "title": "Debt and Credit Basics",
    "category": "Personal Finance",
    "level": "Beginner",
    "duration": "5h",
    "price": 45.00,
    "rating": 4.6,
    "shortDescription": "Understand credit scores, interest, and repayment strategies.",
    "description": "Demystify APR, credit utilization, and repayment sequencing. Learn how to read statements and avoid common pitfalls.",
    "tags": ["debt", "credit score", "APR"]
  },
  {
    "id": "INF201",
    "title": "Inflation Explained",
    "category": "Economics",
    "level": "Intermediate",
    "duration": "7h",
    "price": 59.00,
    "rating": 4.8,
    "shortDescription": "How prices change, why it matters, and what you can do.",
    "description": "Study CPI, PPI, and core measures; distinguish relative price shifts from broad inflation and assess household impact.",
    "tags": ["inflation", "CPI", "prices"]
  },
  {
    "id": "INV101",
    "title": "Investing Fundamentals",
    "category": "Markets",
    "level": "Beginner",
    "duration": "8h",
    "price": 69.00,
    "rating": 4.5,
    "shortDescription": "Learn risk, return, diversification, and simple portfolio building.",
    "description": "Survey asset classes, compounding, and diversification principles. Emphasis on risk awareness and long-term thinking.",
    "tags": ["investing", "risk", "diversification"]
  },
  {
    "id": "MAR202",
    "title": "How Stock Markets Work",
    "category": "Markets",
    "level": "Intermediate",
    "duration": "9h",
    "price": 79.00,
    "rating": 4.6,
    "shortDescription": "Exchanges, order types, indices, and volatility explained.",
    "description": "Break down market microstructure, order books, index construction, and volatility dynamics in accessible terms.",
    "tags": ["stocks", "indices", "volatility"]
  },
  {
    "id": "POL204",
    "title": "Central Banks and Policy",
    "category": "Economics",
    "level": "Intermediate",
    "duration": "10h",
    "price": 89.00,
    "rating": 4.7,
    "shortDescription": "Rates, balance sheets, and the policy transmission mechanism.",
    "description": "Explore interest rate tools, quantitative easing, and how policy affects households and firms through multiple channels.",
    "tags": ["monetary policy", "rates", "QE"]
  },
  {
    "id": "RISK301",
    "title": "Risk Literacy Workshop",
    "category": "Risk",
    "level": "Advanced",
    "duration": "11h",
    "price": 99.00,
    "rating": 4.9,
    "shortDescription": "Probability, uncertainty, and scenario planning for life decisions.",
    "description": "Build intuition for probabilities and outcomes using scenarios and checklists. Emphasis on responsible decision frameworks.",
    "tags": ["risk", "probability", "uncertainty"]
  },
  {
    "id": "TAX103",
    "title": "Tax Basics for Individuals",
    "category": "Personal Finance",
    "level": "Beginner",
    "duration": "6h",
    "price": 49.00,
    "rating": 4.4,
    "shortDescription": "Understand common forms, allowances, and record keeping.",
    "description": "Learn typical tax documents, standard allowances, and how to organize records for a smoother filing experience.",
    "tags": ["tax", "filing", "records"]
  },
  {
    "id": "SAV104",
    "title": "Emergency Funds and Saving Habits",
    "category": "Personal Finance",
    "level": "Beginner",
    "duration": "4h",
    "price": 39.00,
    "rating": 4.6,
    "shortDescription": "Set up buffers and automate good habits.",
    "description": "Practical steps for building emergency reserves, choosing accounts, and automating contributions.",
    "tags": ["savings", "automation", "habits"]
  },
  {
    "id": "RET205",
    "title": "Retirement Fundamentals",
    "category": "Planning",
    "level": "Intermediate",
    "duration": "9h",
    "price": 79.00,
    "rating": 4.5,
    "shortDescription": "Time horizons, compounding, and contribution paths.",
    "description": "Plan long-term contributions, understand employer plans and compounding effects without promising specific outcomes.",
    "tags": ["retirement", "planning", "compounding"]
  },
  {
    "id": "HOU206",
    "title": "Housing Decisions: Rent vs Buy",
    "category": "Planning",
    "level": "Intermediate",
    "duration": "7h",
    "price": 69.00,
    "rating": 4.6,
    "shortDescription": "Frameworks for comparing renting and buying.",
    "description": "Analyze costs, flexibility, and risk under uncertainty. Learn to compare scenarios without forecasting the unforecastable.",
    "tags": ["housing", "rent", "buy"]
  },
  {
    "id": "BEH203",
    "title": "Behavioral Finance for Everyday Choices",
    "category": "Behavioral",
    "level": "Intermediate",
    "duration": "6h",
    "price": 59.00,
    "rating": 4.7,
    "shortDescription": "Biases and heuristics that shape money decisions.",
    "description": "Recognize common biases, set guardrails, and design habits to avoid costly mistakes.",
    "tags": ["behavioral", "bias", "heuristics"]
  },
  {
    "id": "SMB302",
    "title": "Small Business Cash Flow",
    "category": "Business",
    "level": "Advanced",
    "duration": "10h",
    "price": 109.00,
    "rating": 4.6,
    "shortDescription": "Forecasting, working capital, and contingency planning.",
    "description": "Manage receivables, payables, and buffers. Build simple models to stress-test assumptions.",
    "tags": ["cash flow", "working capital", "forecast"]
  },
  {
    "id": "ETH207",
    "title": "Ethics in Personal Finance",
    "category": "Ethics",
    "level": "Intermediate",
    "duration": "5h",
    "price": 49.00,
    "rating": 4.8,
    "shortDescription": "Conflicts, disclosure, and responsible communication.",
    "description": "Understand ethical pitfalls, conflicts of interest, and disclosure practices that protect you and others.",
    "tags": ["ethics", "disclosure", "responsibility"]
  },
  {
    "id": "INS208",
    "title": "Insurance Fundamentals",
    "category": "Risk",
    "level": "Intermediate",
    "duration": "7h",
    "price": 69.00,
    "rating": 4.4,
    "shortDescription": "Risk pooling, deductibles, and coverage choices.",
    "description": "Learn how insurance works, compare coverage options, and balance premiums with protection needs.",
    "tags": ["insurance", "coverage", "deductible"]
  },
  {
    "id": "ECO105",
    "title": "Microeconomics for Daily Life",
    "category": "Economics",
    "level": "Beginner",
    "duration": "6h",
    "price": 49.00,
    "rating": 4.5,
    "shortDescription": "Trade-offs, incentives, and market basics in plain language.",
    "description": "Apply supply and demand, incentives, and trade-offs to everyday choices without jargon overload.",
    "tags": ["microeconomics", "incentives", "trade-offs"]
  },
  {
    "id": "ECO210",
    "title": "Macroeconomics: Growth and Cycles",
    "category": "Economics",
    "level": "Intermediate",
    "duration": "8h",
    "price": 79.00,
    "rating": 4.6,
    "shortDescription": "GDP, unemployment, inflation, and the business cycle.",
    "description": "Understand macro indicators, what they mean, and how to interpret economic news critically.",
    "tags": ["macroeconomics", "GDP", "unemployment"]
  },
  {
    "id": "LGL209",
    "title": "Consumer Rights and Protections",
    "category": "Legal",
    "level": "Intermediate",
    "duration": "5h",
    "price": 49.00,
    "rating": 4.3,
    "shortDescription": "Know your rights when dealing with contracts and services.",
    "description": "Basics of consumer protection, reading terms, and resolving disputes. Not legal advice—educational only.",
    "tags": ["consumer rights", "contracts", "protection"]
  },
  {
    "id": "GOA303",
    "title": "Goals-Based Planning",
    "category": "Planning",
    "level": "Advanced",
    "duration": "9h",
    "price": 99.00,
    "rating": 4.7,
    "shortDescription": "Define, quantify, and prioritize goals with simple tools.",
    "description": "Translate aims into timelines and budgets; review trade-offs and stress-test for setbacks.",
    "tags": ["goals", "planning", "priorities"]
  },
  {
    "id": "SUS211",
    "title": "Sustainable Finance Basics",
    "category": "Ethics",
    "level": "Intermediate",
    "duration": "7h",
    "price": 79.00,
    "rating": 4.4,
    "shortDescription": "ESG, disclosure, and avoiding greenwashing.",
    "description": "Understand environmental, social, and governance concepts; analyze claims and align with personal values.",
    "tags": ["ESG", "sustainability", "disclosure"]
  },
  {
    "id": "CUR212",
    "title": "Currencies and Exchange Rates",
    "category": "Markets",
    "level": "Intermediate",
    "duration": "6h",
    "price": 69.00,
    "rating": 4.5,
    "shortDescription": "Why exchange rates move and how to compare costs.",
    "description": "Learn drivers of exchange rates, spreads, and how to compare cross-border pricing responsibly.",
    "tags": ["FX", "currency", "exchange rate"]
  }
]