Please help me to design a game-based learning activity related to {topic} for my {grade} {subject} students that reinforces key concepts within {sub-topics}. The activity should include clear instructions, adaptable components for different skill levels, and creative strategies to encourage both competition and collaboration among students.
You are a math curriculum developer. Generate three versions of a math problem set, each tailored to different skill levels: beginner, intermediate, and advanced, ensuring that each set incorporates real-world applications and problem-solving skills. Additionally, provide a brief explanation of the educational goals associated with each skill level to guide teachers in their instruction.