**Finite Mathematics with Applications in the Management, Natural, and Social Sciences** presents sound mathematics in an understandable manner, proceeding from the familiar to new material and from concrete examples to general rules and formulas. The **Eleventh Edition** retains its focus on real-world problem solving, but has been refreshed with revised and added content, updated and new applications, fine-tuned and newly-integrated pedagogical devices, and enhanced exercise sets.

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**Marge Lial** (late) was always interested in math; it was her favorite subject in the first grade! Marge's intense desire to educate both her students and herself has inspired the writing of numerous best-selling textbooks. Marge, who received bachelor's and master's degrees from California State University at Sacramento, was affiliated with American River College. An avid reader and traveler, her travel experiences often find their way into her books as applications, exercise sets, and feature sets. Her interest in archeology lead to trips to various digs and ruin sites, producing some fascinating problems for her textbooks involving such topics as the building of Mayan pyramids and the acoustics of ancient ball courts in the Yucatan.

**Thomas W. Hungerford** received his bachelor’s degree from Holy Cross and his Ph.D. from the University of Chicago. He taught for many years at the University of Washington (Seattle) before moving to Cleveland State University in 1980. He has been at St. Louis University since 2003. He has written a number of research articles in algebra and several in mathematics education. Dr. Hungerford is the author or coauthor of more than a dozen mathematics textbooks, ranging from high school to graduate level, several of which are published by Addison-Wesley. He is active in promoting the effective use of technology in mathematics instruction. Dr. Hungerford has also been a referee and reviewer for various mathematical journals and has served on National Science Foundation panels for selecting grant recipients.

**John P. Holcomb, Jr.** received his bachelor's degree from St. Bonaventure University and his Ph.D. from the University at Albany, State University of New York. He is professor and chair and frequently publishes with researchers in a variety of disciplines where he provides statistical analysis. Dr. Holcomb has also authored several papers in statistical education and is very active in the American Statistical Association and the Mathematical Association of America. He was named a Carnegie Scholar in 2000 by the Carnegie Foundation for the Advancement of Teaching and Learning and in 2003 received the Waller Award from the American Statistical Association for outstanding teaching of introductory statistics.

**Bernadette Mullins** received her bachelor’s degree from Western Illinois University and her Ph.D. from the University of Iowa. She is currently professor of mathematics at Birmingham-Southern College in Birmingham, Alabama, where she arrived in 2000. She has published numerous articles in the fields of commutative ring theory and mathematics education. She has served as co-investigator for several National Science Foundation grants related to improving mathematics education. Dr. Mullins has won four awards for her excellence in teaching, including the Bob Whetstone award at BSC. Throughout her career, she has been active in Project NExT (New Experiences in Teaching) and the Mathematical Association of America, and was elected Alabama State Director of the MAA in 2013.

**1. Algebra and Equations**

1.1 The Real Numbers

1.2 Polynomials

1.3 Factoring

1.4 Rational Expressions

1.5 Exponents and Radicals

1.6 First-Degree Equations

1.7 Quadratic Equations

Summary and Review

Case Study 1 Consumers Often Need to Just Do the Math

**2. Graphs, Lines, and Inequalities**

2.1 Graphs

2.2 Equations of Lines

2.3 Linear Models

2.4 Linear Inequalities

2.5 Polynomial and Rational Inequalities

Summary and Review

Case Study 2 Using Extrapolation and Interpolation for Prediction

**3. Functions and Graphs**

3.1 Functions

3.2 Graphs of Functions

3.3 Applications of Linear Functions

3.4 Quadratic Functions and Applications

3.5 Polynomial Functions

3.6 Rational Functions

Summary and Review

Case Study 3 Architectural Arches

**4. Exponential and Logarithmic Functions**

4.1 Exponential Functions

4.2 Applications of Exponential Functions

4.3 Logarithmic Functions

4.4 Logarithmic and Exponential Equations

Summary and Review

Case Study 4 Gapminder.org

**5. Mathematics of Finance**

5.1 Simple Interest and Discount

5.2 Compound Interest

5.3 Annuities, Future Value, and Sinking Funds

5.4 Annuities, Present Value, and Amortization

Summary and Review

Case Study 5 Continuous Compounding

**6. Systems of Linear Equations and Matrices**

6.1 Systems of Two Linear Equations in Two Variables

6.2 Larger Systems of Linear Equations

6.3 Applications of Systems of Linear Equations

6.4 Basic Matrix Operations

6.5 Matrix Products and Inverses

6.6 Applications of Matrices

Summary and Review

Case Study 6 Matrix Operations and Airline Route Maps

**7. Linear Programming**

7.1 Graphing Linear Inequalities in two Variables

7.2 Linear Programming: The Graphical Method

7.3 Applications of Linear Programming

7.4 The Simplex Method: Maximization

7.5 Maximization Applications

7.6 The Simplex Method: Duality and Minimization

7.7 The Simplex Method: Nonstandard Problems

Summary and Review

Case Study 7 Cooking with Linear Programming

**8. Sets and Probability**

8.1 Sets

8.2 Applications of Venn Diagrams and Contingency Tables

8.3 Introduction to Probability

8.4 Basic Concepts of Probability

8.5 Conditional Probability and Independent Events

8.6 Bayes' Formula

Summary and Review

Case Study 8 Medical Diagnosis

**9. Counting, Probability Distributions, and Further Topics in Probability**

9.1 Probability Distributions and Expected Value

9.2 The Multiplication Principle, Permutations, and Combinations

9.3 Applications of Counting

9.4 Binomial Probability

9.5 Markov Chains

9.6 Decision Making

Summary and Review

Case Study 9 Quick Draw®from the New York State Lottery

**10. Introduction to Statistics**

10.1 Frequency Distributions

10.2 Measures of Center

10.3 Measures of Variation

10.4 Normal Distributions and Boxplots

10.5 Normal Approximation to the Binomial Distribution

Summary and Review

Case Study 10 Standard Deviation as a Measure of Risk

**Appendices**

Appendix A: Graphing Calculators

Appendix B: Tables

Table 1: Formulas from Geometry

Table 2: Areas under the Normal Curve

Appendix C: Learning Objectives

Appendix D: Solutions to Prerequisite Skills Test

Answers to Selected Exercises

Index of Companies, Products, and Agencies

Index of Applications

Subject Index