Both. I remember way back when, in elementary school you learned the value of money, you learned how to count it, pay for things with it and give back change. I remember my parents giving me money to walk down to the corner store and pick stuff up. My mom would ask me how much money she'd given me to make sure I knew and when I came home she'd ask me how much the bill came out to and ask me to count the change back to her. Something I did with my own kids. It's embarassing today to go into the store and these kids can't do any of it without the calculator or the cash register telling them how much to give back.