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Kiddo Bank provides an online points system, which parents normally use to encourage children's good behavior. 


To use Kiddo Bank, first, parent create some accounts, then despite points. For example, they would reward a kid for helping a family trip on Christmas. Children can then manage their portfolio, which means to put those points in different accounts, such as a saving account or a brokerage account. They do something as we do to set up our IRA accounts. Over time, the kid would see fluctuations. Points in one account increase by 10%, while another drops by 5%. At some point, he may request a withdraw. His parent will either give him rewards or money as previously agreed. Optionally, parents can impose 35% tax for short-term capital gain. All the stock prices, interest rates and tax are based on real market data.

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