Acknowledgments

This book would not have been possible without the efforts of my colleagues at DeVry University–Keller School of Management, Sacramento Campus, where I currently teach as a visiting professor. A special thanks goes to Oscar Gutierrez, national dean, College of Business and Management, for introducing this publishing opportunity to the faculty. To Dr. Jose Michel goes much appreciation for facilitating the project. And to Mary Cole MS, MAFM, Professor and Business Manager, for so willingly approving the student support for the project and for facilitating my ongoing teaching career. Also, I want to thank my many students who have helped me in various ways, throughout the years, to improve the clarity of my thinking.

A special word ...

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