TABLE OF CONTENTS

 1.  Whole Numbers and Decimals
 2.  Fractions
 3.  Equations: A Guide to Finding the Unknown
 4.  Percents
 5.  Trade and Cash Discounts
 6.  Markup and Markdown
 7.  Payroll
 8.  Simple and Compound Interest
 9.  Time-Value-of-Money Problems: An Introduction
      Supplement: Additional TVM Applications (In Lieu of Chapters 10-13)
10.  Future Value, Sinking Funds, and Annuities
11.  Present Value and Rate of Return
12.  Installment Loans and Open-End Credit
13.  Home Ownership and Mortgage Loans
14.  Investing
15.  International Business: Exchange Rates and Metrics
16.  Checking Accounts
17.  Financial Statements: How to Read and Interpret
18.  Inventory and Overhead
19.  Depreciation
20.  Taxes: Income, Sales and Property
21.  Insurance
22.  Measurements: Real-World Applications
23.  Statistics: An Introduction

Appendix A   Step-By-Step Solutions to U-Try-It Exercises
Appendix B   Answers to Review Problems and Practice Tests
Appendix C   Collaborative Learning Activities
Appendix D   Day-of-the-Year Calendar
Appendix E   TVM Optional Solutions
Appendix F   Homework Assignments
Appendix G   Glossary
Appendix H   Applications Index
Appendix  I    Index