Student-centric learning material is based around three major competencies: Preparing for Exams builds confidence in anxious students by exposing them to common exam problems and pulled directly from the test bank. Answers are available in appendix 5. All time-related information has been updated in the text to keep the material current. UPDATED! Interest rates now reflect the historically low levels of the 21st century. UPDATED! Chapters 12 and 13 on cash-flow and cash-flow management have been updated and strengthened. UPDATED! Chapter 14 on ratio analysis provides additional insight that makes the temporal nature of ratios more apparent. A beautifully illustrated text adds a visual component to numerical concepts Illustrations with a Purpose addresses the needs of the visual learner by helping students visualize important financial concepts. Graphic Illustrations are another source the text uses to “see” a concept.