Key Message: Lial, Greenwell, and Ritchey continue their tradition of integrating relevant, realistic applications with current data sources to provide an application-oriented text for students majoring in business, management, economics, or the life or social sciences. The many opportunities for technology use allow for increased visualization and a better understanding of difficult concepts. In addition to MyMathLab reg; , a complete online course solution, a comprehensive series of video lectures is available for this text. Key Topics: Algebra Reference, Linear Functions, Systems of Linear Equations and Matrices, Linear Programming: The Graphical Method, Linear Programming: The Simplex Method, Mathematics of Finance, Logic, Sets and Probability, Counting Principles: Further Probability Topics, Statistics, Nonlinear Functions, The Derivative, Calculating the Derivative, Graphs and the Derivative, Applications of the Derivative, Integration, Further Techniques and Applications of Integration, Multivariable Calculus, Probability and Calculus Market: For all readers interested in Finite Mathematics and Applied Calculus

**Marge Lial** 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, is now affiliated with American River College.

Marge is an avid reader and traveler. Her travel experiences often find their way into her books as applications, exercise sets, and feature sets. She is particularly interested in archeology. Trips to various digs and ruin sites have produced 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.

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**Raymond N. Greenwell** earned a B.A. in Mathematics and Physics from the University of San Diego, and an M.S. in Statistics, an M.S. in Applied Mathematics, and a Ph.D. in Applied Mathematics from Michigan State University, where he earned the graduate student teaching award in 1979. After teaching at Albion College in Michigan for four years, he moved to Hofstra University in1983, where he currently is Professor of Mathematics.

Raymond has published articles on fluid mechanics, mathematical biology, genetic algorithms, combinatorics, statistics, and undergraduate mathematics education. He is a member of MAA, AMS, SIAM, NCTM, and AMATYC. He is currently (2002-2005) governor of the Metropolitan New York Section of the MAA, as well as webmaster and liaison coordinator, and he received a distinguished service award from the Section in 2003. He is an outdoor enthusiast and leads trips in the Sierra Club’s Inner City Outings program.

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**Nathan P. Ritchey** earned a B.A. in Mathematics with a minor in Music from Mansfield University of Pennsylvania. He earned a M.S. in Applied Mathematics and a Ph.D. in Mathematics from Carnegie Mellon University. He is currently a Professor of Mathematics and Chair of the Department of Mathematics and Statistics at Youngstown State University. He has published articles in economics, honors education, medicine, mathematics, operations research, and student recruitment. Nate is a Consultant/Evaluator for the North Central Association's Higher Learning Commission and regularly participates in program evaluations.

In recognition of his numerous activities, Nate has received the Distinguished Professor Award for University Service, the Youngstown Vindicator's "People Who Make a Difference Award," the Watson Merit Award for Department Chairs, the Spirit in Education Award from the SunTex corporation, and the Provost's Merit Award for significant contributions to the Honors Program.

A father of four children, Nate enthusiastically coaches soccer and softball. He also loves music, playing several instruments, and is a tenor in the Shenango Valley Chorale. More information about Nate Ritchey can be found at: http://www.as.ysu.edu/~nate/