What is smartness?

How will knowing the functions of glucocorticoid hormones help me in life? Isn't the skill I need to develop street smartness instead of these memory challenges where I'll probably forget everything after the 40 minute test. But what is street smart? I believe it is making the most of situations and achieving your goals with minimal effort. What if one my goals is to do well in school? What would be the most street smart thing to do? Am I just writing these to procrastinate when I should be studying? Questions, questions, questions...