The FCCLA/Knowledge Matters Virtual Business Challenge-Personal Finance Virtual contest encourages FCCLA members to test their skills in personal finance. The FCCLA Virtual Business Challenge is a free event to affiliated FCCLA members that consists of two competition rounds, fall and spring —teams may participate in one or both rounds. Participating members utilize a competition version of the Virtual Business – Personal Finance classroom software. Click below to see Cherokee FCCLA's results in the Virtual Business Challenge over the last four years.