Business in Action, Global Edition

Cover
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 World
		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 Customers
		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 Influential Companies
		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
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Subject Index
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