I. Financial literacy programs teach students how to manage personal budgets. II. Migrating geese often fly in a distinctive V-shaped formation. III. Understanding interest rates helps consumers avoid excessive debt. IV. Many schools have begun incorporating financial education into their curricula. V. Experts argue that early financial education leads to better lifelong habits. (I-V) numaralı cümlelerden hangisi parçanın bütünlüğünü bozmaktadır?