page xxviii

Thank You!

We express our deepest appreciation for the efforts of the colleagues whose extensive feedback over the years has helped to shape and create this text.

Janice Akao, Butler Community College

Sophia Anong, University of Georgia

Brenda Anthony, Tallahassee Community College

Anna Antus, Normandale Community College

Victoria Arnold, University of Central Oklahoma

Eddie Ary, Ouachita Baptist University

Chris A. Austin, Normandale Community College

Gail H. Austin, Rose State College

Kali Bard, Crowder College

George Bernard, Seminole State College of Florida

Judy Bernard, Bluegrass Community and Technical College

Tom Bilyeu, Southwestern Illinois College

Ross Blankenship, State Fair Community College

William F. Blosel, California University of Pennsylvania

John Bockino, Suffolk County Community College

Karen Bonding, University of Virginia

Lyle Bowlin, Southeastern University

Michael Brandl, University of Texas–Austin

Jerry Braun, Daytona State College–Daytona Beach

Darleen Braunshweiger, Nassau Community College

Jennifer Brewer, Butler County Community College

Robert Brown, Santa Barbara City College

Bruce Brunson, Virginia Tech

Peg Camp, University of Nebraska–Kearney

Mary Ann Campbell, University of Central Arkansas

Ron Cereola, James Madison University

Stephen Chambers, Johnson County Community College

It-Keong Chew, University of Kentucky

Marc Condos, American River College

Mary Emily Cooke, Surry Community College

Trung Dang, Lone Star College North Harris

Beth Deinert, Southeast Community College—Milford

Julie Douthit, Abilene Christian University

Bill Dowling, Savannah State University

Chip Downing, Massasoit Community College

Dorsey Dyer, Davidson County Community College

John D. Farlin, Ohio Dominican University

Garry Fleming, Roanoke College

Paula G. Freston, Merced College

Robert Friederichs, Alexandria Technical College

Mark Fronke, Cerritos College

Caroline S. Fulmer, University of Alabama

Harry Gallatin, Indiana State University

Dwight Giles, Jefferson State Community College

Terri Gonzales, Delgado Community College

Michael Gordinier, Washington University

Shari Gowers, Dixie State College

Michelle Grant, Bossier Parish Community College

Paul Gregg, University of Central Florida

Michael P. Griffin, University of Massachusetts–Dartmouth

Don Hardwick, Bluegrass Community and Technical College

Josh Harris, Clemson University

Monte Hill, Nova Community College–Annandale

Ward Hooker, Orangeburg–Calhoun Tech College

Ishappa S. Hullur, Morehead State University

Samira Hussein, Johnson County Community College

Dorothy W. Jones, Northwestern State University

Richard “Lee” Kitchen, Tallahassee Community College

Jeanette Klosterman, Hutchinson Community College

Robert Kozub, University of Wisconsin–Milwaukee

Margo Kraft, Heidelberg College

page xxixJohn Ledgerwood, Bethune-Cookman College

Marc LeFebvre, Creighton University

Eveline Lewis, Evangel University

Nolan Lickey, Utah Valley State College

Joseph T. Marchese, Monroe Community College

John Marcis, Coastal Carolina University

Kenneth L. Mark, Kansas City Kansas Community College

Paul S. Marshall, Widener University

Kera Mattes, Liberty University

Jennifer Morton, Ivy Tech Community College of Indiana

Allan O’Bryan, Rochester Community & Tech College

Susan Pallas-Duncan, Southeast Community College

Carl Parker, Fort Hays State University

David M. Payne, Ohio University

Aaron Phillips, California State University–Bakersfield

Padmaja Pillutla, Western Illinois University

Mark Pope, University of Texas

Tom Prusa, Rutgers University

Barbara Purvis, Centura College

Brenda Rice, Ozarks Technical Community College

Carla Rich, Pensacola Junior College

John Roberts, Florida Metropolitan University

Sammie Root, Texas State University–San Marcos

Clarence Rose, Radford University

Joan Ryan, Clackamas Community College

Martin St. John, Westmoreland County Community College

Tim Samolis, Pittsburgh Technical Institute

Todd Saville, Kirkwood Community College

Steven R. Scheff, Florida Gulf Coast University

James T. Schiermeyer, Texas Tech University

Beth Scull, University of South Carolina

Joseph Simon, Casper College

Vernon Stauble, San Bernardino Valley College

Lea Timpler, College of the Canyons

Michael Trohimczyk, Henry Ford Community College

Dick Verrone, University of North Carolina–Wilmington

Randall Wade, Rogue Community College

Shunda Ware, Atlanta Technical College

Kent Weilage, McCook Community College

Sally Wells, Columbia College

Micheline West, New Hampshire Tech

Marilyn Whitney, University of California–Davis

Bob Willis, Rogers State University

Glen Wood, Broome Community College

Russell Woodbridge, Southeastern College

Many talented professionals at McGraw-Hill Education have contributed to the development of Focus on Personal Finance. We are especially grateful to Chuck ­Synovec, Jennifer Upton, Trina Maurer, Erika Jordan, Tara McDermott, and Daryl Horrocks.

In addition, Jack Kapoor expresses special appreciation to Theresa and Dave Kapoor, Kathryn Thumme, and Karen and Joshua Tucker for their typing, proofreading, and research assistance. Finally, we thank our spouses and families for their patience, understanding, encouragement, and love throughout this project.