Financial literacy encompasses a range of topics, including budgeting, saving, investing, and understanding financial instruments. With the rise of digital banking and investment platforms, the need for individuals to be financially literate has never been more critical. Educational programs and online resources play a pivotal role in equipping people with the knowledge and skills to make sound financial decisions. From understanding credit scores to learning about the power of compound interest, financial literacy empowers individuals to take control of their financial future and build a solid foundation for economic stability.

Climate change-induced alterations in temperature and weather patterns disrupt ecosystems, leading to shifts in plant and animal distribution. Species that are unable to adapt or migrate face extinction, threatening overall biodiversity. Ocean acidification, caused by increased carbon dioxide absorption, poses a threat to marine life, particularly organisms with calcium carbonate skeletons, such as corals and mollusks. Conservation efforts and international cooperation are essential to mitigate the impacts of climate change on biodiversity, preserving the delicate balance of ecosystems and ensuring a healthy planet for future generations.