STEM
RiskDojo
A rare disaster you can’t afford, swapped for a small cost you can — that trade is all insurance is, and it’s just maths. RiskDojo builds the whole idea from expected value up: the fair premium, the deductible, and the law of large numbers that lets a pool cover a rare big loss and still break even. Predict each number, then reveal the worked step — and run a pool yourself to watch adverse selection break it. Ages 15–18.
#2f6f9f Distributed-narrative cast
Meet the cast
RiskDojo is text-forward (R-OLDER-TEEN-DN-ADAPTED, ages 15–18) — no illustrated cast; the 'characters' are the pieces of an insurance policy whose relationship IS the idea. The expected loss (value × chance) is the honest price of a risk and the floor under every premium. The premium is that expected loss plus a small loading — so it is a bit MORE than your average loss, because you are buying certainty, not a good bet. A deductible is the first slice of a loss you keep yourself, which lowers the premium. The pool is everyone's premiums together: priced fairly it breaks even by the law of large numbers, but under adverse selection — when only the high-risk buy at a low price — it bleeds, and the premium spirals. Every value is exact arithmetic computed on-device. Illustrated portraits/chapters/audio are N/A for the older-teen band, not a follow-on.
Expected loss
Value × chance — the long-run average cost of a risk and the floor under every premium; skip insurance and this is what the gamble costs you on average
The premium
The fair (pure) premium plus a loading for costs and a buffer; it is usually a bit MORE than your expected loss — you are buying certainty, not a good bet
The deductible
The first slice of a loss you cover yourself; a higher deductible lowers the insurer's expected payout, so it lowers your premium
The pool
Everyone's premiums together; priced fairly it breaks even by the law of large numbers, but it bleeds under adverse selection when only the high-risk buy
What's inside
Learning goal
A rare disaster you can’t afford, swapped for a small cost you can — that trade is all insurance is, and it’s just maths. RiskDojo builds the whole idea from expected value up: the fair premium, the deductible, and the law of large numbers that lets a pool cover a rare big loss and still break even. Predict each number, then reveal the worked step — and run a pool yourself to watch adverse selection break it. Ages 15–18.
Question kits
16 curriculum-aligned kits × 25 questions = 400 questions per app, mapped to recognized standards.
On-device AI mentor
FoundationModels-powered hints, feedback, and adaptive difficulty — all running locally.
How RiskDojo handles your kid's data
- ✅ All progress, settings, and AI-generated content stays on the device
- ✅ No analytics, no tracking, no third-party SDKs
- ✅ No ads, no in-app purchases — you pay once
- ✅ COPPA compliant under the 2026 FTC amendments
- ✅ Parental controls + session limits + content filters built in
RiskDojo runs on ForgeKit — the open-source Swift Package Manager framework that powers every Spark & Anvil app. ForgeKit ensures consistent accessibility, COPPA compliance, and design language across the portfolio, so your kid's progress and preferences feel coherent across every app they touch.
Coming to the App Store
RiskDojo is in active development. Email us to hear when it ships — no marketing, no spam, just a one-shot launch announcement.
Email me at launch