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Credit unions in Colorado and across the Mountain West are helping high school students tackle money challenges through "Bites of Reality" fairs. The app-based program forces students to make budgeting and spending decisions in real time. Sarae Bay, vice president and managing director of the GoWest Credit Union Association Foundation, said the fairs which assign each participant a persona including a job, income, a family, monthly expenses and debt allow students to experience the effects of their financial choices in a safe environment. .