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Acknowledgments

We gratefully acknowledge the feedback and suggestions offered by the following individuals:

Karen Frame Ciara Spillane Brigitte Armato
Cynthia Daily, Ph.D. Dilene Crockett, Ph.D. Jennifer Powers
Nancy Hopkins David Wood Heather Sanders
Lance Lide Scott Wright David Dearman, Ph.D.
LaQuinta Broyles Sherrie Kearney Thomas Tudor, Ph.D.

Chapter 4 "Finance" was written by Julia S. Kwok, Northeastern State University, 3100 E. New Orleans Street, Department of Accounting and Finance, College of Business and Technology, Broken Arrow, OK 74014. E-mail: kwok@nsuok.edu; Phone: 918-449-6516.