This text presents topics with straightforward, interesting applications intended to improve students' mathematical maturity while giving them an appreciation for the usefulness of mathematics. It includes many updated examples and over 200 new exercises.

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This "tried and true" text offers an extremely readable coverage of the principles of finite mathematics and their application in business, social science, and the life sciences.

Preface

This work is the seventh edition of our text for the traditional finite mathematics course taught to first- and second-year college students, especially those majoring in business and the social and biological sciences. Finite mathematics courses exhibit tremendous diversity with respect to both content and approach. Therefore, in revising this book, we incorporated a wide range of topics from which an instructor may design a curriculum, as well as a high degree of flexibility in the order in which the topics may be presented. For the mathematics of finance, we even allow for flexibility in the approach of the presentation.

In this edition we attempt to maintain our popular student-oriented approach throughout and, in particular, through the use of the following features: Applications

We provide realistic applications that illustrate the uses of finite mathematics in other disciplines. The reader may survey the variety of applications by referring to the Index of Applications located on the front endpapers. Wherever possible, we attempt to use applications to motivate the mathematics. For example, the concept of linear programming is introduced in Chapter 3 via a discussion of production options for a factory with a labor limitation. Examples

We include many more worked examples than is customary in textbooks. Furthermore, we include computational details to enhance comprehension by students whose basic skills are weak. Exercises

More than 2200 exercises comprise about one-quarter of the book, the most important part of the text in our opinion. The exercises at the ends of the sections are usually arranged in the order in which the text proceeds, so that homework assignments may be easily made after only part of a section is discussed. Interesting applications and more challenging problems tend to be located near the ends of the exercise sets. Supplementary exercises at the end of each chapter amplify the other exercise sets and provide cumulative exercises that require skills acquired from earlier chapters. Answers to the odd-numbered exercises are included at the back of the book. Practice Problems

The practice problems are a popular and useful feature of the book. They are carefully selected exercises located at the end of each section, just before the exercise set. Complete solutions follow the exercise set. The practice problems often focus on points that are potentially confusing or are likely to be overlooked. We recommend that the reader seriously attempt to do the practice problems and study their solutions before moving on to the exercises. Use of Technology

Although the use of technology is optional for this text, many of the topics can be enhanced with graphing calculators and computers. Also, each year more students own graphing calculators that they have used in their high school mathematics courses. Therefore, whenever relevant, we explicitly show the student how to use graphing calculators effectively to assist in understanding the fundamental concepts of the course. In addition, the text contains an appendix on the use of graphing calculators and about 200 specially designated "calculator and computer" exercises. Such exercises are denoted by GC.

In our discussions of graphing calculators, we specifically refer to the TI-82 and TI-83 since these are the two most popular graphing calculators. Therefore, most students will have a book customized to their calculator. Students with other graphing calculators can consult their guidebooks to learn how to make adjustments. Had the calculator material been written generically, every student would have to make adjustments. Examples from Professional Exams

We have included questions similar to those found on CPA and GMAT exams to further illustrate the relevance of the material in the course. These multiple-choice questions are identified with the notation PE. Review of Fundamental Concepts

Near the end of each chapter is a set of questions that help the student recall the key ideas of the chapter and focus on the relevance of these concepts. New in This Edition

Among the changes in this edition, the following are the most significant.

Visual Representations of Data. A new optional section has beef added to the beginning of Chapter 7 that shows several ways data are represented graphically. Chapter Summaries. Each chapter contains a detailed summary of the important definitions and results from the chapter, serving as a handy study tool for the student. Chapter Tests. Each chapter has a sample test that can be used by the student to help determine if he or she has mastered the important concepts of the chapter. The answers to the chapter tests are given at the back of the book. Chapter Projects. These extended projects can be used as in-class or out-of-class group projects, or special assignments. The projects develop interesting applications or enhance key concepts of the chapters. Minimal Prerequisites

Because of the great variation in student preparation, we keep formal prerequisites to a minimum. We assume only a first year of high school algebra. Furthermore, we review, as needed, those topics that are typically weak spots for students. Topics Included

This edition has more material than can be covered in most one-semester courses. Therefore, the instructor can structure the course to the students' needs and interests. The book divides naturally into four parts. The first part consists of linear mathematics: linear equations, matrices, and linear programming (Chapters 1-4); the second part is devoted to probability and statistics (Chapters 57); the third part covers topics utilizing the ideas of the other parts (Chapters 8-10); and the fourth part explores key topics from discrete mathematics that are sometimes included in the modern finite mathematics curriculum (Chapters 11-13). We prefer to begin with linear mathematics since it makes for a smooth transition from high school mathematics and leads quickly to interesting applications, especially linear programming. Our preference notwithstanding, the instructor may begin this book with Chapter 5 (Sets and Counting) and then do either the linear mathematics or the probability and statistics. Supplements Instructor's Solutions Manual: Contains the solutions to every exercise in the text. Students' Solutions Manual and Explorations in Finite Mathematics Software: Includes the solution to every odd problem in the text as well as a copy of the premier software package for finite mathematics, developed by David Schneider. "Explorations in Finite Mathematics" includes 28 routines which include an animated solution of geometric linear programming problems, student-directed solutions to Gaussian elimination and simplex method problems, interactive shading of Venn diagrams, and detailed analyses of loans and annuities. Matrix operations use rational arithmetic, and matrices are displayed on-screen with typeset quality. An animated Galton board routine shows in a dynamic fashion how the binomial distribution eventually approaches the normal distribution as n increases. Test Item File: Contains sample test questions, both multiple-choice and standard, for each chapter of the text. TestGen-EQ provides nearly 1000 suggested test questions, keyed to chapter and section. TestGen-Eq is a test-specific testing program networkable for administering tests and capturing grades online. Edit and add your own questions, or use the new "Function Plotter" to create a nearly unlimited number of tests and drill worksheets. Prentice Hall Companion Website: (prenhall/goldstein). Created as an extra resource for both students and professors, the site includes the following features:

(a) Excel Tutorials and Projects written by Revathi Narasimhan at St. Peter's College. Uses Excel to enhance the understanding of many of the topics in the course. Using a combination of specially designed projects and tutorials, students are able to analyze data, draw conclusions, and present their analysis in a professional format.

(b) Net Tutor Real time, on-line tutoring allows students to ask questions and get help on the text material from mathematics instructors.

(c) Online Calculator Manuals for the TI-82, TI-83, TI-85, TI-86, TI-89, TI-92, HP, Sharp and Casio graphing calculators.

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