This instructor's guide is designed to direct and support instruction for advanced business and office, home economics, and agriculture and marketing education students across Oklahoma who are in their second year of individualized cooperative education programs. The following topics are covered in the 12 competency-based instructional units included in the curriculum: learning work ethics; calculating basic math; applying legal awareness and economic knowledge; applying basic principles of banking; applying basic principles of credit; securing automobile and property insurance; evaluating life, health, and social insurance; identifying consumer protection issues; joining labor unions; managing stress; recognizing supervisory skills; and recognizing management skills. Each unit contains some or all of the following: performance objectives, suggested activities for instructors, information sheets, optional supplemental instructional materials, transparency masters, activity sheets, assignment sheets/student handouts, written tests, and assignment sheet and test answers. Academic skills training is combined with vocational training throughout the instructional materials, and a system of icons has been used to help instructors identify activities into which training in the following basic skill areas has been infused into the curriculum: reading, science, creative thinking/problem solving, writing, oral communication, employability, math, interpersonal skills, and social studies. (MN)