A book like this results only from the contributions of many talented people.
We would like to thank the chapter authors that make up this book for their
clear and informative explanations of the powerful concepts and tools of fi-
nance and accounting. In this world of technology and the Internet, while most
of the underlying concepts remain fixed, the applications are ever changing,
requiring the authors to constantly rededicate themselves to their professions.
Our deepest appreciation goes to our wives, Trudy Livingstone and Ruth
Grossman, and to our children Robert Livingstone, Aaron and Melissa Gross-
man, and Michael Grossman. They provide the daily inspiration to perform our