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• Title Page
• Copyright
• Pearson’s Commitment to Diversity, Equity, and Inclusion
• Untitled
• Dedication
• Contents in Brief
• Contents
• New to This Edition
• Solving Learning and Teaching Challenges
• Developing Employability Skills
• Instructor Teaching Resources
• About the Authors
• Acknowledgments
• Prologue: Using This Course to Launch Your Business Career
• Part 1: Setting the Stage: The Business of Business
• Chapter 1. Developing a Business Mindset
• Behind The Scenes: Can Software That Reads Faces Create a New Business?
• Introduction
• Understanding What Businesses Do
• Adding Value: The Business of Business
• Competing to Attract and Satisfy Customers
• Accepting Risks in the Pursuit of Rewards
• Identifying Major Types of Businesses
• Making the Leap from Buyer to Seller
• Seeing Business from the Inside Out
• Appreciating the Role of Business in Society
• Using this Course to Jump-Start Your Career
• Recognizing the Multiple Environments of Business
• The Social Environment
• The Technological Environment
• The Economic Environment
• The Legal and Regulatory Environment
• The Market Environment
• Identifying the Major Functional Areas in a Business Enterprise
• Research and Development
• Manufacturing, Production, and Operations
• Marketing, Sales, Distribution, and Customer Support
• Finance and Accounting
• Human Resources
• Business Services
• Exploring Careers in Business
• Operations Manager
• Human Resources Specialist
• Information Technology Manager
• Marketing Specialist
• Sales Professional
• Accountant
• Financial Manager
• Achieving Professionalism
• Striving to Excel
• Being Dependable and Accountable
• Being a Team Player
• Demonstrating Etiquette
• Communicating Effectively
• Making Ethical Decisions
• Thriving in the Digital Enterprise: Disruptive Technologies and Digital Transformation
• Disruptive Innovations
• Predicting the Path of Disruptive Innovations
• Fine-Tuning Your Personal Hype Detector
• Digital Transformation
• Developing Skills for Your Career
• Behind The Scenes: An Unexpected Turn Launches an Innovative New Company
• Key Terms
• Test Your Knowledge
• Expand Your Knowledge
• Practice Your Skills
• Chapter 2. Economics, Money, and Banking
• Behind The Scenes: Gig Wage: Reinventing Financial Systems for a New World of Work
• Introduction
• What Is This Thing Called the Economy?
• Factors of Production
• The Economic Impact of Scarcity
• Economic Measures and Monitors
• Price Indexes
• National Economic Output
• Economic Systems
• The Spectrum of Economic Systems
• Nationalization and Privatization
• Government’s Role in a Free-Market System
• Protecting Stakeholders
• Fostering Competition
• Encouraging Innovation and Economic Development
• Stabilizing and Stimulating the Economy
• The Forces of Demand and Supply
• Understanding Demand
• Understanding Supply
• Understanding How Demand and Supply Interact
• The Macro View: Understanding How an Economy Operates
• Competition in a Free-Market System
• Business Cycles
• Unemployment
• Inflation
• Money’s Role in Business
• The Meaning of Money
• Fiat Money, Cryptocurrency, and NFTs
• The Money Supply
• Banking Institutions and Services
• The Federal Reserve
• The Fed’s Major Responsibilities
• The Fed’s Tools for Implementing Monetary Policy
• Other Government Banking Agencies and Institutions
• Investment Banks
• Commercial Banks
• Other Financial Services
• Banking’s Role in the Economy
• Shadow Banking
• The “Too-Big-to-Fail” Dilemma
• The Boundaries of Investment Banking and Commercial Banking
• Thriving in the Digital Enterprise: Fintech
• Making Financial Services More Inclusive
• Improving the Efficiency of Financial Activities
• Strengthening the Security of Financial Systems
• Improving the Customer Experience in Financial Services
• Enhancing Financial Decision-Making
• Behind The Scenes: Gig Wage Rethinks Financial Software to Meet the Needs of Today’s Business Worl
• Key Terms
• Test Your Knowledge
• Expand Your Knowledge
• Practice Your Skills
• Chapter 3. The Global Marketplace
• Behind The Scenes: Airbnb: From Making a Few Bucks to Disrupting the Global Travel Industry
• Introduction
• Fundamentals of International Trade
• Why Nations Trade
• How International Trade Is Measured
• Foreign Exchange Rates and Currency Valuations
• Conflicts in International Trade
• Free Trade
• Government Intervention in International Trade
• International Trade Organizations
• Organizations Facilitating International Trade
• The World Trade Organization
• The International Monetary Fund
• The World Bank
• Trading Blocs
• Canada, Mexico, and the United States
• The European Union
• Asia-Pacific Economic Cooperation
• The Global Business Environment
• Cultural Differences in the Global Business Environment
• Legal Differences in the Global Business Environment
• Tax Havens
• Bribery
• Forms of International Business Activity
• Importing and Exporting
• International Licensing
• International Franchising
• International Strategic Alliances and Joint Ventures
• Foreign Direct Investment
• Strategic Approaches to International Markets
• Organizational Strategies for International Expansion
• Functional Strategies for International Expansion
• Thriving in the Digital Enterprise: AI-Assisted Translation
• Text Translation
• Real-Time Voice Translation
• Behind The Scenes: Airbnb Succeeds with Global Vision but Local Touch
• Key Terms
• Test Your Knowledge
• Expand Your Knowledge
• Practice Your Skills
• Chapter 4. Business Ethics and Corporate Social Responsibility
• Behind The Scenes: Bethany Yellowtail: Creating an Authentic Business and Lifting Her Community
• Introduction
• Ethics in Contemporary Business
• Defining Ethical Behavior
• Forces That Promote Unethical Behavior
• Management Pressure and Corporate Culture
• A Willful Blindness to Harm
• Strategies for Supporting Ethical Behavior
• Guidelines for Making Ethical Decisions
• Corporate Social Responsibility
• The Relationship Between Business and Society
• Taking Sides on Public Issues: Stakeholder Expectations and Company Viewpoints
• Philanthropy Versus Strategic CSR
• Perspectives on Corporate Social Responsibility
• Minimalist CSR
• Defensive CSR
• Cynical CSR
• The Proactive Stance: Moving Beyond CSR
• Resolving the CSR Dilemma
• CSR: The Natural Environment
• Business Efforts to Conserve Resources and Reduce Pollution
• Sustainability and the Circular Economy
• CSR: Consumers
• The Right to Buy Safe Products
• The Right to Be Informed
• The Right to Choose Which Products to Buy
• The Right to Be Heard
• The Right to Digital Security
• The Right to Equitable Service
• CSR: Employees
• Equality in Employment Opportunity
• Fair Compensation
• Working Conditions
• Thriving in the Digital Enterprise: The Ethics of Artificial Intelligence
• Human Biases Embedded in AI Systems
• Lack of Transparency and Explainability
• The Efforts to Make AI a Force for Good
• Behind The Scenes: Bethany Yellowtail Builds a Business That Is More Than a Business
• Key Terms
• Test Your Knowledge
• Expand Your Knowledge
• Practice Your Skills
• Part 2: Building the Framework: Business Ownership and Entrepreneurship
• Chapter 5. Forms of Ownership
• Behind The Scenes: DoorDash Looks for Ways to Grow Beyond Pandemic Demand
• Introduction
• Sole Proprietorships
• Advantages of Sole Proprietorships
• Disadvantages of Sole Proprietorships
• Partnerships
• Advantages of Partnerships
• Disadvantages of Partnerships
• Keeping It Together: The Partnership Agreement
• Corporations
• Advantages of Corporations
• Disadvantages of Corporations
• Special Types of Corporations
• Corporate Governance
• Shareholders
• Board of Directors
• Corporate Officers
• Mergers, Acquisitions, and Divestitures
• Advantages of Mergers and Acquisitions
• Disadvantages of Mergers and Acquisitions
• Merger and Acquisition Defenses
• Corporate Divestitures
• Strategic Alliances and Joint Ventures
• Strategic Alliances
• Joint Ventures
• Thriving in the Digital Enterprise: Big Data and Analytics
• Big Data
• Analytics
• Behind The Scenes: DoorDash Bulks Up for Post-Pandemic Life
• Key Terms
• Test Your Knowledge
• Expand Your Knowledge
• Practice Your Skills
• Chapter 6. Entrepreneurship and Small-Business Ownership
• Behind The Scenes: Alyza James: Carrying On One Tradition and Starting Another
• Introduction
• The Big World of Small Business
• Economic Roles of Small Businesses
• Characteristics of Small Businesses
• The Entrepreneurial Spirit
• Why People Start Their Own Companies
• Qualities of Successful Entrepreneurs
• Innovating Without Leaving: Intrapreneurship
• The Start-Up Phase: Planning and Launching a New Business
• Small-Business Ownership Options
• Blueprint for an Effective Business Plan
• Lean Business Planning
• The Growth Phase: Nurturing and Sustaining a Young Business
• The New-Business Failure Rate
• Pivoting: When a Better Idea Comes Along
• Advice and Support for Business Owners
• Government Agencies and Not-for-Profit Organizations
• Business Partners
• Mentors and Advisory Boards
• Networks and Support Groups
• Business Incubators and Accelerators
• Financing Options for Small Businesses
• Private Financing
• Banks and Microlenders
• Venture Capitalists
• Angel Investors
• Corporate Sponsors
• Credit Cards and Personal Lines of Credit
• Small Business Administration Assistance
• Public Financing
• Crowdfunding
• The Franchise Alternative
• Types of Franchises
• The Money Side of Franchising
• Initial Franchising Costs
• Ongoing Franchising Costs
• Advantages of Franchising
• Disadvantages of Franchising
• How to Evaluate a Franchising Opportunity
• Thriving in the Digital Enterprise: Machine Learning and Deep Learning
• Giving Computers the Ability to Learn
• Applying Machine Learning in Business
• Behind The Scenes: Alyza James Finds a New Purpose in Her Purpose-Driven Business
• Key Terms
• Test Your Knowledge
• Expand Your Knowledge
• Practice Your Skills
• Part 3: Guiding the Enterprise: Leadership, Organization, and Operations
• Chapter 7. Management Roles, Functions, and Skills
• Behind The Scenes: AMD: An Innovative Company Gets Help from Innovative Business Management
• Introduction
• The Roles of Management
• Interpersonal Roles
• Informational Roles
• Decisional Roles
• The Planning Function
• Defining the Company’s Purpose and Values
• Assessing Strengths, Weaknesses, Opportunities, and Threats
• Developing Forecasts
• Analyzing the Competition
• Establishing Goals and Objectives
• Developing Action Plans
• The Organizing Function
• Top Managers
• Middle Managers
• First-Line Managers
• The Leading Function
• Developing an Effective Leadership Style
• Coaching and Mentoring
• Managing Change
• Building a Positive Organizational Culture
• The Controlling Function
• The Control Cycle
• Establishing Performance Standards
• Measuring Performance and Responding as Needed
• Crisis Management: Maintaining Control in Extraordinary Circumstances
• Essential Management Skills
• Interpersonal Skills
• Technical Skills
• Conceptual Skills
• Decision-Making Skills
• Thriving in the Digital Enterprise: Cognitive Automation
• The Cold Truth About Decision-Making
• AI to the (Possible) Rescue
• Behind The Scenes: Lisa Su Pulls Off the Impossible at AMD
• Key Terms
• Test Your Knowledge
• Expand Your Knowledge
• Practice Your Skills
• Chapter 8. Organization and Teamwork
• Behind The Scenes: Gojek: The Challenges of Growth
• Introduction
• Designing an Effective Organization Structure
• Identifying Core Competencies
• Identifying Job Responsibilities
• Defining the Chain of Command
• Span of Management
• Centralization Versus Decentralization
• Rethinking Organization in the Age of Agility
• Organizing the Workforce
• Functional Structures
• Divisional Structures
• Matrix Structures
• Network Structures
• Distributed and Hybrid Workplaces
• Organizing in Teams
• What Is a Team?
• Types of Teams
• Problem-Solving Teams
• Self-Managed Teams
• Functional Teams
• Cross-Functional Teams
• Virtual and Hybrid Teams
• Social Networks and Virtual Communities
• Ensuring Team Productivity
• Advantages and Disadvantages of Working in Teams
• Characteristics of Effective Teams
• Fostering Teamwork
• Team Development
• Team Conflict
• Sources of Team Conflict
• Solutions to Team Conflict
• Managing an Unstructured Organization
• Potential Benefits of Unstructured Organizations
• Potential Challenges of Unstructured Organizations
• Thriving in the Digital Enterprise: Taskbots and Robotic Process Automation
• Taskbots
• Robotic Process Automation
• Behind The Scenes: Gojek: The Structure of App-Based Business
• Key Terms
• Test Your Knowledge
• Expand Your Knowledge
• Practice Your Skills
• Chapter 9. Production Systems
• Behind The Scenes: Reinventing Manufacturing for a Rapidly Changing World
• Introduction
• The Systems View of Business
• Thinking in Systems
• Managing Systems for Peak Performance
• Value Chains and Value Webs
• Extending Organizations with Value Webs
• Offshoring and Reshoring
• Supply Chain Management
• The Strategic Role of Supply Chain Management
• Supply Chain Systems and Methods
• Production and Operations Management
• Lean Systems and Make to Order Manufacturing
• Mass Production, Customized Production, and Mass Customization
• Facilities Location and Design
• Forecasting and Capacity Planning
• Scheduling
• The Unique Challenges of Service Delivery
• Perishability
• Location Constraints and Virtual Service Delivery
• Scalability Challenges and Opportunities
• Performance Variability and Perceptions of Quality
• Customer Involvement and Service Provider Interaction
• Product and Process Quality
• Quality and Complexity
• Strategies for Ensuring Product Quality
• Continuous Improvement
• Statistical Process Control
• Six Sigma
• ISO 9000
• Thriving in the Digital Enterprise: Industry 4.0 and the Smart Factory
• Behind The Scenes: Fictiv Builds a Digital Manufacturing Ecosystem to Meet the Needs of Today’s Cu
• Key Terms
• Test Your Knowledge
• Expand Your Knowledge
• Practice Your Skills
• Part 4: Supporting the Workforce: Motivation and Human Resources
• Chapter 10. Employee Motivation
• Behind The Scenes: Eric Yuan Designs a New Dream
• Introduction
• What Motivates Employees to Peak Performance?
• What Is Motivation?
• Classical Theories of Motivation
• Taylor’s Scientific Management
• The Hawthorne Studies and the “Hawthorne Effect”
• Maslow’s Hierarchy of Needs
• Theory X and Theory Y
• Herzberg’s Two Factors
• McClelland’s Three Needs
• Explaining Employee Choices
• Expectancy Theory
• Equity Theory
• The Four-Drive Theory
• Motivating with Challenging Goals
• Management by Objectives
• Risks and Limitations of Goal-Setting Theory
• Redesigning Jobs to Stimulate Performance
• The Job Characteristics Model
• Approaches to Modifying Core Job Dimensions
• Reinforcing High-Performance Behavior
• Types of Reinforcement
• Unintended Consequences of Reinforcement
• Motivational Strategies in the New World of Work
• Beyond Money: Motivating with Meaningful Purpose
• Providing Timely and Frequent Feedback
• Making It Personal
• Gamifying for Healthy Competition
• Addressing Workplace Negativity
• Being an Inspiring Leader
• Motivating Yourself and Avoiding Burnout
• Thriving in the Digital Enterprise: Performance Management Systems
• Behind The Scenes: Zoom’s Eric Yuan Built Himself a Happier Job—and One of the World’s Most In
• Key Terms
• Test Your Knowledge
• Expand Your Knowledge
• Practice Your Skills
• Chapter 11. Human Resources Management
• Behind The Scenes: L’Oréal China’s Recruitment Problem
• Introduction
• Guiding the Human Side of Business
• Contemporary HR Challenges
• Aligning the Workforce with Business Requirements
• Creating Safe and Healthy Workplaces
• Ensuring Fair Treatment and Equal Opportunity
• Creating a Sustainable Employee Experience
• The Evolving Role of HR
• Managing a Diverse Workforce
• Diversity Considerations in the Contemporary Workplace
• Age
• Gender and Sexual Orientation
• Race and Ethnicity
• Religion
• Physical, Emotional, and Cognitive Traits
• Education, Economics, and Life Experience
• Diversity, Equity, and Inclusion Initiatives
• Managing the Employment Life Cycle
• Planning for a Company’s Staffing Needs
• Evaluating Job Requirements
• Forecasting Supply and Demand
• Alternative Work Arrangements
• Hiring Employees
• Managing Employee Retirement
• Terminating Employment
• Developing and Evaluating Employees
• Managing Employee Performance
• Training and Developing Employees
• Promoting and Reassigning Employees
• Compensating and Supporting Employees
• Salaries and Wages
• Incentive Programs
• Employee Benefits
• Insurance
• Retirement Benefits
• Stock Options
• Other Employee Benefits
• Understanding the Role of Labor Unions in Today’s Business World
• Unionization in the United States
• Union Organizing and Collective Bargaining
• Organizing Options for the Gig and Creator Economies
• Thriving in the Digital Enterprise: Workforce Analytics
• Behind The Scenes: L’Oréal China Uses AI to Drive Diversity
• Key Terms
• Test Your Knowledge
• Expand Your Knowledge
• Practice Your Skills
• Part 5: Satisfying the Customer: Marketing, Sales, and Customer Support
• Chapter 12. The Art and Science of Marketing
• Behind The Scenes: Lego: Creating the World’s Top Toy Brand One Brick at a Time
• Introduction
• Marketing in a Changing World
• The Role of Marketing in Society
• Needs and Wants
• Exchanges and Transactions
• The Four Utilities
• The Marketing Concept
• Challenges in Contemporary Marketing
• Involving the Customer in the Marketing Process
• Making Data-Driven Decisions and Measuring Marketing ROI
• Attribution and ROI
• Marketing Research
• Marketing with Greater Concern for Ethics and Etiquette
• Marketing as Part of a Sustainable Business Strategy
• Creating Satisfying Customer Experiences
• Understanding Today’s Customers
• The Consumer Decision Process
• The Organizational Customer Decision Process
• Identifying Market Opportunities
• Examining the Current Marketing Situation
• Reviewing Performance
• Evaluating Competition
• Examining Internal Strengths and Weaknesses
• Analyzing the External Environment
• Assessing Opportunities and Setting Objectives
• Crafting a Marketing Strategy
• Dividing Markets into Segments
• Choosing Your Target Markets
• Staking out a Position in Your Target Markets
• The Marketing Mix
• Products
• Pricing
• Distribution
• Customer Communication
• Thriving in the Digital Enterprise: Marketing Analytics
• Major Goals of Marketing Analytics
• Data Sources for Marketing Analytics
• Behind The Scenes: Lego Stacks Billions of Bricks to Become the World’s Most Valuable Toy Brand
• Key Terms
• Test Your Knowledge
• Expand Your Knowledge
• Practice Your Skills
• Chapter 13. Product Management and Pricing Strategies
• Behind The Scenes: OXO: Launching a Design Revolution with the Humble Vegetable Peeler
• Introduction
• Characteristics of Products
• Types of Products
• Consumer Products
• Industrial and Commercial Products
• The Product Life Cycle
• Introduction
• Growth
• Maturity
• Decline
• The New-Product Development Process
• Idea Generation
• Idea Screening
• Business Analysis
• Prototype Development
• Test Marketing
• Commercialization
• Product Identities
• Brand Name Selection
• Brand Ownership
• Packaging
• Labeling
• Product-Line and Product-Mix Strategies
• Product Lines
• Product Mix
• Product Expansion Strategies
• Product Strategies for International Markets
• Pricing Strategies
• Strategic Considerations in Pricing
• Cost Structure and Break-Even Analysis
• Pricing Methods
• Foundational Pricing Methods
• Cost-Based Pricing
• Value-Based Pricing
• Competition-Based Pricing
• Situational Pricing Methods
• Algorithmic Pricing
• Life-Cycle Pricing
• Loss-Leader Pricing
• Auctions and Participative Pricing
• Free and Freemium Pricing
• Subscription Pricing
• Price Adjustment Tactics
• Thriving in the Digital Enterprise: AR, VR, and the Metaverse
• Augmented Reality
• Virtual Reality
• The Metaverse
• Behind The Scenes: OXO Gets a Handle on Universal Design
• Key Terms
• Test Your Knowledge
• Expand Your Knowledge
• Practice Your Skills
• Chapter 14. Customer Communication and Product Distribution
• Behind The Scenes: Tata Harper: Pursuing a More Natural Way to Care for Skin
• Introduction
• Customer Communication: Challenges, Strategies, and Issues
• Establishing Communication Goals
• Defining Customer Messages
• Assembling the Communication Mix
• Inbound Versus Outbound Marketing
• Integrated Marketing Communications
• The Power of Personalization
• Communication Laws and Ethics
• Advertising and Direct Response Marketing
• Advertising
• Advertising Appeals
• Advertising Media
• Direct Response Marketing
• Personal Selling
• Contemporary Personal Selling
• The Personal Selling Process
• Sales Promotion
• Consumer Promotions
• Trade Promotions
• Social Media and Public Relations
• Social Media in the Marketing Process
• Marketing Communication Strategies for Social Media
• Brand Communities
• Social Customer Care
• Public Relations
• Product Distribution and Marketing Intermediaries
• The Role of Marketing Intermediaries
• Wholesaling and Industrial Distribution
• Retailing
• Retailing’s Role in the Buying Process
• The Challenging Economics of Retailing
• The Outlook for Retailing: More Disruption, More Innovation
• Manufacturers’ Distribution Decisions
• Thriving in the Digital Enterprise: AI-Enabled Marketing
• Communication and Customer Service
• Content Development
• Marketing Planning and Campaign Management
• Behind The Scenes: Staking Out a New Position in the Skin Care Market
• Key Terms
• Test Your Knowledge
• Expand Your Knowledge
• Practice Your Skills
• Part 6: Managing the Money: Accounting and Financial Resources
• Chapter 15. Financial Information and Accounting Concepts
• Behind The Scenes: IBM: Accounting for the World’s Food Supply
• Introduction
• Understanding Accounting
• What Accountants Do
• Private Accountants
• Public Accountants
• Major Accounting Rules
• Generally Accepted Accounting Principles (GAAP)
• Non-GAAP Metrics
• Global Reporting Standards
• Sarbanes-Oxley
• Fundamental Accounting Concepts
• The Accounting Equation
• Double-Entry Bookkeeping and the Matching Principle
• Using Financial Statements: The Balance Sheet
• Understanding Financial Statements
• Balance Sheet
• Assets
• Liabilities
• Owners’ Equity
• Using Financial Statements: Income and Cash Flow Statements
• Income Statement
• Statement of Cash Flows
• Analyzing Financial Statements
• Trend Analysis
• Ratio Analysis
• Types of Financial Ratios
• Profitability Ratios
• Liquidity Ratios
• Activity Ratios
• Leverage, or Debt, Ratios
• Thriving in the Digital Enterprise: Distributed Ledgers and Blockchain
• The Not-So-Simple Process of Recording Transactions
• Rethinking the Ledger
• Business Benefits and Applications of Blockchain
• Blockchain in Financial Services
• Blockchain in Supply Chain Management
• Blockchain in Human Resources
• Behind The Scenes: IBM’s Food Trust: Improving Clarity and Confidence in the World’s Food Supply
• Key Terms
• Test Your Knowledge
• Expand Your Knowledge
• Practice Your Skills
• Chapter 16. Financial Management and Financial Markets
• Behind The Scenes: Building the Roadmap for Black Women Tech Founders
• Introduction
• The Role of Financial Management
• Developing a Financial Plan
• Monitoring Cash Flow
• Managing Accounts Receivable and Accounts Payable
• Managing Inventory
• Managing Cash Reserves
• The Budgeting Process
• Budgeting Challenges
• Types of Budgets
• Financing Alternatives: Factors to Consider
• Debt Financing Versus Equity Financing
• Length of Term
• Cost of Capital
• Risk
• Interest Rates
• Opportunity Cost
• Financing Alternatives: Debt Financing
• Short-Term Debt Financing
• Credit Cards
• Trade Credit
• Secured Loans
• Unsecured Loans
• Commercial Paper
• Factoring
• Long-Term Debt Financing
• Long-Term Loans
• Leases
• Corporate Bonds
• Financing Alternatives: Equity
• Venture Capital and Other Private Equity
• Public Stock Offerings
• Financial Markets
• The Stock Market
• The Bond Market
• The Money Market
• The Derivatives Market
• Investment Strategies and Techniques
• Establishing Investment Objectives
• Learning to Analyze Financial News
• Creating an Investment Portfolio
• Buying and Selling Securities
• Thriving in the Digital Enterprise: Smart Contracts
• Behind The Scenes: Black Women Talk Tech—and Venture Capital
• Key Terms
• Test Your Knowledge
• Expand Your Knowledge
• Practice Your Skills
• Appendixes
• Appendix A: Business Law
• Appendix B: Risk Management
• Appendix C: Information Technology
• Appendix D: Personal Finance: Getting Set for Life
• Glossary
• Brand, Organization, and Name Index
• A
• B
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• D
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• F
• G
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• M
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• X
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• P
• Subject Index
• A
• B
• C
• D
• E
• F
• G
• H
• I
• J
• K
• L
• M
• N
• O
• P
• Q
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• Y
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