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Offering comprehensive treatment of selected topics in finite mathematics and calculus, the fourth edition of this text provides an informal, non-intimidating presentation of the mathematical principles, techniques, and applications most useful to students in business, economics, and the life and social sciences. Oriented towards the needs of the student, the text retains such pedagogical features as Algebra Flashbacks, Notes to the Student, Points for Thought or Discussion, and an extensive array of problems and applications to support the learning process.