Business

by Ferrell, O. C.; Hirt, Geoffrey

• ISBN13: 9780072552737
• ISBN10: 0072552735
• Edition: 4th
• Format: Paperback
• Copyright: 2002-05-01
• Publisher: McGraw-Hill College

Summary

Business: A Changing World is the fastest growing introduction to business text available today. Its success is due in large measure to the real-world, skill-building, decision-focused framework in a compact and timely format, as well as the authors' commitment to providing the content and teaching materials that instructors and students desire. Contemporary examples and boxed features help the fundamental concepts of business come alive for students. The authors provide an abundance of new real-world examples, cases, boxed features, and exercises to make the course interesting and exciting. Feedback from adopters and reviewers alike indicates that they have done an excellent job in providing a complete teaching package that engages and connects students to the realities of business.Authors O.C. Ferrell and Geoff Hirt emphasize the important issues and challenges facing business today, but they also believe that there must be a balance in coverage to avoid an over-emphasis of trendy topics. They believe that students must first learn some of the fundamental concepts that provide a foundation for understanding the world of business. This 4th Edition of Business: A Changing World continues the technology trail-blazing tradition that made the 3rd Edition so successful. In addition to Cybertrek icons throughout the text that lead the students directly to the wealth of information available on the online learning center, a new chapter on Information Technology and e-Business is a heralded feature of the new edition. And the new "dot.comment" boxes provide commentary on internet-related business issues. All chapters in the new edition have been updated with the latest knowledge and best practices that are appropriate for coverage at the introduction to business level, including such important information as NBES, WTO, Mercosur, APEC, the future for small business, and 2000 census data. data.

Table of Contents

The Dynamics of Business and Economics	2	(27)
Enter the World of Business
``Saturn A Different Kind of Company. A Different Kind of Car''	3	(1)
Introduction	4	(1)
The Nature of Business	4	(1)
The Goal of Business	4	(1)
The People and Activities of Business	5	(1)
Consider Ethics and Social Responsibility
Serving Up Social Responsibility at McDonald's	5	(3)
Why Study Business?	8	(1)
The Economic Foundations of Business	8	(1)
Economic Systems	9	(2)
The Free-Enterprise System	11	(1)
The Forces of Supply and Demand	12	(1)
Solve the Dilemma
Mrs. Acres Homemade Pies	13	(1)
The Nature of Competition	14	(1)
Enhance Productivity
Competition in the Paper Towel Market	15	(1)
Economic Cycles and Productivity	16	(2)
The American Economy	18	(1)
A Brief History of the American Economy	18	(3)
The Role of the Entrepreneur	21	(1)
The Role of Government in the American Economy	22	(1)
Can You Learn Business in a Classroom?	22	(2)
Explore Your Career Options Changes	24	(1)
Review Your Understanding	24	(1)
Learn the Terms	25	(1)
Check Your Progress	26	(1)
Get Involved	26	(1)
Build Your Skills: The Forces of Supply and Demand	26	(1)
See for Yourself Videocase: Starbucks	27	(2)
Part One Business in a Changing World	29	(29)
Business Ethics and Social Responsibility	30	(28)
Enter the World of Business
Timberland Makes a Difference	31	(1)
Introduction	32	(1)
Business Ethics and Social Responsibility	32	(1)
The Role of Ethics in Business	33	(1)
Recognizing Ethical Issues in Business	33	(1)
Ethical Issues	34	(4)
Solve the Dilemma
Customer Privacy	38	(1)
Making Decisions about Ethical Issues	38	(1)
Improving Ethical Behavior in Business	39	(2)
The Nature of Social Responsibility	41	(3)
Social Responsibility Issues	44	(1)
Relations with Owners and Stockholders	45	(1)
Employee Relations	46	(1)
Consumer Relations	47	(1)
Environmental Issues	48	(2)
Consider Ethics and Social Responsibility
Royal Caribbeans Campaign to ``Save the Waves''	50	(1)
Consider Ethics and Social Responsibility
Helping the World, One Can at a Time	51	(1)
Community Relations	52	(1)
Explore Your Career Options Business Ethics	53	(1)
Review Your Understanding	54	(1)
Learn the Terms	54	(1)
Check Your Progress	55	(1)
Get Involved	55	(1)
Build Your Skills: Making Decisions about Ethical Issues	55	(2)
See for Yourself Videocase: Business Ethics and Social Responsibility at Hershey Foods	57	(1)
APPENDIX A The Legal and Regulatory Environment	58	(71)
Business in a Borderless World	72	(28)
Enter the World of Business
Candy Maker Makes Lollipops for Adults and Children	73	(1)
Introduction	74	(1)
The Role of International Business	74	(1)
Why Nations Trade	74	(1)
Trade between Countries	75	(1)
Balance of Trade	76	(1)
International Trade Barriers	76	(1)
Economic Barriers	77	(1)
Legal and Political Barriers	78	(3)
Social and Cultural Barriers	81	(1)
Think Globally
Universal Studios Goes to Japan	82	(2)
Technological Barriers	84	(1)
Trade Agreements, Alliances, and Organizations	84	(1)
General Agreement on Tariffs and Trade (GATT)	84	(1)
The North American Free Trade Agreement (NAFTA)	85	(1)
Solve the Dilemma
Global Expansion or Business as Usual	86	(1)
The European Union (EU)	86	(1)
The Common Market of the Southern Cone (MERCOSUR)	87	(1)
Asia-Pacific Economic Cooperation (APEC)	88	(1)
World Bank	88	(1)
International Monetary Fund	88	(1)
Getting Involved in International Business	88	(5)
Exporting and Importing	89	(1)
Trading Companies	90	(1)
Licensing and Franchising	90	(1)
Contract Manufacturing	91	(1)
Joint Ventures and Alliances	91	(1)
Direct Investment	92	(1)
Embrace Technology
Online Global Marketing	93	(1)
Multinational Corporations	93	(1)
International Business Strategies	94	(1)
Developing Stategies	94	(1)
Managing the Challenges of Global Business	95	(1)
Explore Your Career Options
Preparing for the Borderless World	95	(1)
Review Your Understanding	96	(1)
Learn the Terms	97	(1)
Check Your Progress	97	(1)
Get Involved	97	(1)
Build Your Skills: Global Awareness	98	(1)
See for Yourself Videocase: American President Lines (APL)	99	(1)
Managing Information Technology and E-Business	100	(29)
Enter the World of Business
The Success, then Failure of eToys	101	(1)
Introduction	102	(1)
The Role and Impact of Technology in the Economy	102	(1)
Managing Information	103	(1)
Management Information Systems	104	(1)
The Internet	105	(2)
How the Internet Works	107	(1)
Internet Users	107	(1)
Internet Uses	108	(2)
E-Business	110	(1)
Solve the Dilemma
Developing Successful Freeware	111	(1)
The Nature of E-Business	112	(2)
E-Business Models	114	(2)
Legal and Social Issues of Information Technology and E-Business	116	(1)
Privacy	116	(2)
Consider Ethics and Social Responsibility
DoubleClick Inc.	118	(2)
dot.comment
TRUSTe: ``Building a Web You Can Believe In''	120	(1)
Identity Theft	121	(1)
Protection of Intellectual Property and Copyrights	121	(1)
The Dynamic Nature of Information Technology and E-Business	122	(1)
Explore Your Career Options
Information Technology Career Options	123	(1)
Review Your Understanding	124	(1)
Learn the Terms	124	(1)
Check Your Progress	125	(1)
Get Involved	125	(1)
Build Your Skills: Planning a Website	125	(1)
See for Yourself Videocase: Metamor Technologies, Inc.	126	(1)
Part One Role-Play Exercise: National Farm and Garden, Inc.	127	(2)
Part Two Starting and Growing a Business	129	(54)
Options for Organizing Business	130	(26)
Enter the World of Business
Deciding the Ownership Form	131	(1)
Introduction	132	(1)
Sole Proprietorships	132	(1)
Advantages of Sole Proprietorships	132	(2)
Disadvantages of Sole Proprietorships	134	(1)
Partnerships	135	(1)
Types of Partnerships	135	(1)
Articles of Partnership	136	(1)
Advantages of Partnerships	136	(1)
Disadvantages of Partnerships	137	(1)
Taxation of Partnerships	138	(1)
Corporations	139	(1)
Creating a Corporation	139	(1)
Types of Corporations	140	(1)
Strive for Quality
The Longaberger Company Makes Baskets	140	(3)
Embrace Technology
Working the Net Properly Can Lead to a Big Payoff	143	(1)
Elements of a Corporation	143	(2)
Advantages of Corporations	145	(1)
Disadvantages of Corporations	146	(1)
Other Types of Ownership	147	(1)
S Corporations	147	(1)
Solve the Dilemma
To Incorporate or Not to Incorporate	147	(1)
Limited Liability Companies	147	(1)
Cooperatives	148	(1)
Trends in Business Ownership: Mergers and Acquisitions	148	(2)
Explore Your Career Options
Evaluating a Job Offer	150	(1)
Review Your Understanding	151	(1)
Learn the Terms	152	(1)
Check Your Progress	152	(1)
Get Involved	153	(1)
Build Your Skills: Selecting a Form of Business	153	(1)
See for Yourself Videocase: Ben and Jerry's	154	(2)
Small Business, Entrepreneurship, and Franchising	156	(27)
Enter the World of Business
King of Kites	157	(1)
Introduction	158	(1)
The Nature of Entrepreneurship and Small Business	158	(1)
What Is a Small Business?	159	(1)
The Role of Small Business in the American Economy	159	(2)
Industries That Attract Small Business	161	(2)
Advantages of Small-Business Ownership	163	(1)
Personal Advantages	163	(1)
Consider Ethics and Social Responsibility
Lighting up the World, One Life at a Time	164	(1)
Business Advantages	164	(2)
Disadvantages of Small-Business Ownership	166	(1)
High Stress Level	166	(1)
High Failure Rate	166	(2)
Starting a Small Business	168	(1)
The Business Plan	168	(1)
Forms of Business Ownership	169	(1)
Financial Resources	169	(2)
Solve the Dilemma
The Small-Business Challenge	171	(1)
Approaches to Starting a Small Business	171	(1)
Help for Small-Business Managers	172	(2)
Think Globally
Subway Is Sublime	174	(1)
The Future for Small Business	175	(1)
Demographic Trends	175	(1)
Technological and Economic Trends	176	(1)
Making Big Business Act ``Small''	177	(1)
Explore Your Careers Options
Look to Small Business	177	(1)
Review Your Understanding	178	(1)
Learn the Terms	179	(1)
Check Your Progress	179	(1)
Get Involved	179	(1)
Build Your Skills: Creativity	179	(2)
See for Yourself Videocase: Artists' Frame Service	181	(1)
Part Two Role-Play Exercise: Human Response, Inc.	182	(1)
Part Three Managing for Quality and Competitiveness	183	(84)
The Nature of Management	184	(30)
Enter the World of Business
Meg Whitman Manages eBay	185	(1)
Introduction	186	(1)
The Importance of Management	186	(1)
Management Functions	186	(1)
Planning	187	(2)
Enhance Productivity
Thinking out of the Cereal Box	189	(1)
Organizing	190	(1)
Staffing	191	(1)
Directing	192	(1)
Controlling	193	(1)
Types of Management	194	(1)
Levels of Management	194	(4)
Areas of Management	198	(1)
Value Diversity
Avon: A Company Managed by Women for Women	198	(1)
Skills Needed by Managers	199	(1)
Leadership	200	(2)
Technical Expertise	202	(1)
Conceptual Skills	202	(1)
Analytical Skills	203	(1)
Human Relations Skills	203	(1)
Where Do Managers Come From?	203	(1)
Decision Making	204	(1)
Recognizing and Defining the Decision Situation	204	(1)
Developing Options	205	(1)
Analyzing Options	205	(1)
Solve the Dilemma
Making Infinity Computers Competitive	206	(1)
Selecting the Best Option	206	(1)
Implementing the Decision	206	(1)
Monitoring the Consequences	206	(1)
The Reality of Management	207	(1)
Explore Your Career Options
Management Is Alive and Well	208	(1)
Review Your Understanding	209	(1)
Learn the Terms	209	(1)
Check Your Progress	210	(1)
Get Involved	210	(1)
Build Your Skills: Functions of Management	210	(2)
See for Yourself Videocase IBM	212	(2)
Organization, Teamwork, and Communication	214	(26)
Enter the World of Business
Chrysler and Mecedes Learn the Importance of Teamwork	215	(1)
Introduction	216	(1)
Developing Organizational Structure	216	(1)
Specialization	216	(2)
Departmentalization	218	(1)
Functional Departmentalization	218	(1)
Product Departmentalization	218	(1)
Geographical Departmentalization	218	(1)
Customer Departmentalization	219	(1)
The Role of Groups and Teams in Organizations	220	(1)
Benefits of Teams	221	(1)
Types of Groups	221	(2)
Enhance Productivity
War Games to Learn TLC	223	(1)
Assigning Responsibility and Delegating Authority	223	(1)
Delegation of Authority	224	(1)
Degree of Centralization	224	(1)
Span of Management	225	(1)
Organizational Layers	226	(1)
Forms of Organizational Structure	227	(1)
Line Structure	227	(1)
Solve the Dilemma
Quest Star in Transition	227	(1)
Line-and-Staff Structure	228	(1)
Multidivisional Structure	228	(1)
Matrix Structure	229	(1)
Communicating in Organizations	230	(1)
Formal Communication	231	(1)
Informal Communication Channels	232	(1)
Monitoring Communications	233	(1)
Organizational Culture	233	(1)
Enhance Productivity
Culture Makeover at Alberto-Culver North America	234	(1)
Explore Your Career Options Flexibility First!	235	(1)
Review Your Understanding	236	(1)
Learn the Terms	237	(1)
Check Your Progress	237	(1)
Get Involved	237	(1)
Build Your Skills: Teamwork	238	(1)
See for Yourself Videocase: Big Apple Bagel and St. Louis Bread Company	239	(1)
Production and Operations Management	240	(27)
Enter the World of Business
Operations Management at Schlitterbahn	241	(1)
Introduction	242	(1)
The Nature of Operations Management	242	(1)
The Transformation Process	243	(1)
Operations Management in Service Businesses	244	(2)
Planning and Designing Operations Systems	246	(1)
Planning the Product	246	(1)
Designing the Operations Processes	247	(1)
Planning Capacity	248	(1)
Planning Facilities	248	(3)
Solve the Dilemma
Planning for Pizza	251	(1)
Managing Logistics	252	(1)
Purchasing	252	(1)
Managing Inventory	252	(1)
Enhance Productivity
Office Depot's E-Diva	253	(2)
Routing and Scheduling	255	(2)
Managing Quality	257	(1)
Strive for Quality
Spicer Driveshaft Division of Dana Corporation	258	(1)
Establishing Standards---ISO 9000	259	(1)
Inspection	260	(1)
Sampling	260	(1)
Explore Your Career Options
A Future in Quality Assurance	261	(1)
Review Your Understanding	261	(1)
Learn the Terms	262	(1)
Check Your Progress	262	(1)
Get Involved	263	(1)
Build Your Skills: Reducing Cycle Time	263	(1)
See for Yourself Videocase: Alton Bridge	264	(2)
Part Three Role-Play Exercise: McDougal Aircraft Company	266	(1)
Part Four Creating the Human Resource Advantage	267	(56)
Motivating the Workforce	268	(24)
Enter the World of Business
Hot Coals Anyone?	269	(1)
Introduction	270	(1)
Nature of Human Relations	270	(2)
Historical Perspectives on Employee Motivation	272	(1)
Classical Theory of Motivation	272	(1)
The Hawthorne Studies	273	(1)
Theories of Employee Motivation	274	(1)
Maslow's Hierarchy of Needs	274	(2)
Herzberg's Two-Factor Theory	276	(1)
Enhance Productivity
Bringing Home the Bacon	277	(1)
McGregor's Theory X and Theory Y	278	(1)
Theory Z	279	(1)
Variations on Theory Z	279	(1)
Equity Theory	280	(1)
Expectancy Theory	280	(1)
Strategies for Motivating Employees	281	(1)
Behavior Modification	281	(1)
Job Design	281	(2)
Solve the Dilemma
Motivating to Win	283	(2)
Enhance Productivity
Recipe for Telecommuting Success	285	(1)
Importance of Motivational Strategies	285	(1)
Explore Your Career Options
Rating Metropolitan Areas	286	(1)
Review Your Understanding	287	(1)
Learn the Terms	288	(1)
Check Your Progress	288	(1)
Get Involved	288	(1)
Build Your Skills: Motivating	288	(1)
See for Yourself Videocase Southwest Airlines	289	(3)
Managing Human Resources	292	(31)
Enter the World of Business
Hire Ho, Hire Ho!	293	(1)
Introduction	294	(1)
The Nature of Human Resources Management	294	(1)
Planning for Human Resources Needs	294	(1)
Recruiting and Selecting New Employees	295	(1)
Recruiting	295	(1)
Selection	296	(2)
Legal Issues in Recruiting and Selecting	298	(1)
Affirmative Action	299	(1)
Developing the Workforce	300	(1)
Training and Development	300	(1)
Assessing Performance	301	(1)
dot.comment
Learning with games2train.com	301	(2)
Turnover	303	(2)
Compensating the Workforce	305	(1)
Financial Compensation	305	(1)
Solve the Dilemma
Morale among the Survivors	306	(1)
Benefits	307	(2)
Managing Unionized Employees	309	(1)
Collective Bargaining	309	(2)
Resolving Disputes	311	(1)
The Importance of Workforce Diversity	312	(1)
The Characteristics of Diversity	312	(1)
Why Is Diversity Important?	313	(1)
The Benefits of Workforce Diversity	313	(1)
Value Diversity
Cultural Diversity in the Cubicle	314	(1)
Explore Your Career Options
How Much Does It Pay?	315	(1)
Review Your Understanding	316	(1)
Learn the Terms	317	(1)
Check Your Progress	317	(1)
Get Involved	318	(1)
Build Your Skills: Appreciating and Valuing Diversity	318	(1)
See for Yourself Videocase: Finding and Keeping the Best Employees	319	(2)
Part Four Role-Play Exercise: eQuality Assured	321	(2)
Part Five Marketing: Developing Relationships	323	(58)
Customer-Driven Marketing	324	(24)
Enter the World of Business
Video Game Wars	325	(1)
Introduction	326	(1)
Nature of Marketing	326	(1)
The Exchange Relationship	326	(1)
Marketing Creates Utility	327	(1)
Functions of Marketing	328	(1)
The Marketing Concept	329	(1)
Customer Relationship Management	330	(1)
Developing a Marketing Strategy	331	(1)
Selecting a Target Market	331	(4)
Developing a Marketing Mix	335	(2)
Marketing Research and Information Systems	337	(1)
dot.comment
Look-Look.com	338	(2)
Buying Behavior	340	(1)
Psychological Variables of Buying Behavior	340	(1)
Solve the Dilemma
Will It Go?	340	(1)
Social Variables of Buying Behavior	340	(2)
Understanding Buying Behavior	342	(1)
The Marketing Environment	342	(1)
Embrace Technology
Mystery Marketing with Buddy Lee	343	(1)
Explore Your Career Options
Customer Service in a Service Economy	344	(1)
Review Your Understanding	344	(1)
Learn the Terms	345	(1)
Check Your Progress	345	(1)
Get Involved	346	(1)
Build Your Skills: The Marketing Mix	346	(1)
See for Yourself Videocase: E-Commerce	347	(1)
Dimensions of Marketing Strategy	348	(33)
Enter the World of Business
Domino's Delivers	349	(1)
Introduction	350	(1)
The Marketing Mix	350	(1)
Product Strategy	350	(1)
Developing New Products	350	(2)
Classifying Products	352	(1)
Product Line and Product Mix	353	(1)
Product Life Cycle	353	(1)
Identifying Products	354	(1)
Enhance Productivity
Revitalizing a Maturing Brand	355	(4)
Pricing Strategy	359	(1)
Pricing Objectives	359	(1)
Specific Pricing Strategies	359	(1)
Distribution Strategy	360	(1)
Marketing Channels	361	(2)
Intensity of Market Coverage	363	(2)
Physical Distribution	365	(1)
Consider Ethics and Social Responsibility
Home Depot	366	(1)
Importance of Distribution in a Marketing Strategy	366	(1)
Solve the Dilemma
Better Health with Snacks	367	(1)
Promotion Strategy	367	(1)
The Promotion Mix	367	(5)
Promotion Strategies: To Push or To Pull	372	(1)
Objectives of Promotion	373	(1)
Promotional Positioning	373	(1)
Explore Your Career Options
Diverse Opportunities in Marketing	374	(1)
Review Your Understanding	374	(1)
Learn the Terms	375	(1)
Check Your Progress	376	(1)
Get Involved	376	(1)
Build Your Skills: Analyzing Motel 6's Marketing Strategy	376	(1)
See for Yourself Videocase: Alligator Records	377	(2)
Part Five Role-Play Exercise: RedRiverShops.com	379	(2)
Part Six Financing the Enterprise	381	(82)
Accounting and Financial Statements	382	(28)
Enter the World of Business
Differences in International Accounting	383	(1)
Introduction	384	(1)
The Nature of Accounting	384	(1)
Accountants	384	(1)
Accounting or Bookkeeping?	385	(1)
The Uses of Accounting Information	385	(3)
The Accounting Process	388	(1)
The Accounting Equation	388	(1)
Double-Entry Bookkeeping	388	(1)
The Accounting Cycle	389	(2)
Financial Statements	391	(1)
The Income Statement	392	(3)
Embrace Technology
Ford Uses the Internet to Cut Accounting Expenses	395	(1)
The Balance Sheet	395	(4)
Ratio Analysis: Analyzing Financial Statements	399	(1)
Profitability Ratios	400	(1)
Asset Utilization Ratios	400	(1)
Consider Ethics and Social Responsibility
Accounting Fraud at Cendant Corp.	401	(1)
Liquidity Ratios	402	(1)
Debt Utilization Ratios	402	(1)
Solve the Dilemma
Exploring the Secrets of Accounting	403	(1)
Per Share Data	403	(1)
Industry Analysis	404	(1)
Explore Your Career Options
More Power to the Accountants	405	(1)
Review Your Understanding	406	(1)
Learn the Terms	407	(1)
Check Your Progress	407	(1)
Get Involved	407	(1)
Build Your Skills: Financial Analysis	408	(1)
See for Yourself Videocase: The Many Purposes of Accounting Statements	408	(2)
Money and the Financial System	410	(26)
Enter the World of Busines
The Federal Reserve Board	411	(1)
Introduction	412	(1)
Money in the Financial System	412	(1)
Functions of Money	412	(1)
Characteristics of Money	413	(1)
Types of Money	414	(2)
Embrace Technology
Check Cashing for the Unbanked	416	(2)
Value Diversity
Credit Card Companies Target Women	418	(1)
The American Financial System	418	(1)
The Federal Reserve System	419	(3)
Banking Institutions	422	(2)
Nonbanking Institutions	424	(1)
Solve the Dilemma
Seeing the Financial Side of Business	425	(2)
Electronic Banking	427	(2)
Challenge and Change in the Commercial Banking Industry	429	(1)
Explore Your Career Options
What Do Economists Do?	430	(1)
Review Your Understanding	431	(1)
Learn the Terms	432	(1)
Check Your Progress	432	(1)
Get Involved	432	(1)
Build Your Skills: Managing Money	433	(1)
See for Yourself Videocase: Why Stocks? Why Bonds?	433	(3)
Financial Management and Securities Markets	436	(27)
Enter the World of Business
Online Investing	437	(1)
Introduction	438	(1)
Managing Current Assets and Liabilities	438	(1)
Managing Current Assets	438	(1)
Enhance Productivity
Working Capital Problems in a Small Business	439	(3)
Managing Current Liabilities	442	(2)
Managing Fixed Assets	444	(1)
Capital Budgeting and Project Selection	444	(1)
Embrace Technology
Ford: Using Technology to Reinvent the Auto Industry	445	(1)
Assessing Risk	445	(1)
Pricing Long-Term Money	446	(1)
Solve the Dilemma
Surviving Rapid Growth	447	(1)
Financing with Long-Term Liabilities	447	(1)
Bond: Corporate IOUs	448	(1)
Types of Bonds	449	(1)
Financing with Owners' Equity	450	(2)
Investment Banking	452	(1)
The Securities Markets	453	(1)
Organized Exchanges	454	(1)
The Over-the-Counter Market	454	(1)
Measuring Market Performance	455	(2)
Explore Your Career Options
Financial Management	457	(1)
Review Your Understanding	458	(1)
Learn the Terms	459	(1)
Check Your Progress	459	(1)
Get Involved	459	(1)
Build Your Skills: Choosing among Projects	460	(1)
See for Yourself Videocase: Role of the Financial Manager	461	(1)
Part Six Role-Playing Exercise: Dana Fashing Designs, Inc.	462	(1)
Appendix B Personal Financial Planning	463	(16)
Appendix C The Business Plan	479	(9)
Appendix D Personal Career Plan	488
Glossary	1	(1)
Photo Credits	1	(1)
Endnotes	1	(1)
Index	1