iv Reviewers The author and publisher are grateful to the following reviewers who provided valuable input to this edition. Leann Bennett Personal Finance Teacher Pinnacle View Middle School Little Rock, Arkansas Lexie Centers Seventh and Eighth Grade Financial Literacy Teacher Gregg Middle School Summerville, South Carolina Dianna Dance-Lewis Family and Consumer Science Teacher County of Henrico Public School Henrico, Virginia Christina M. Drauden Eighth Grade Math Teacher Linda Jobe Middle School Mansfi eld, Texas Mary Eisert Family and Consumer Science/ Language Arts Teacher Wea Ridge Middle School Lafayette, Indiana David A. Hamner Career/Business Education Teacher Aventura City of Excellence School Aventura, Florida Kim Hebert Family and Consumer Science Teacher and Department Chair Bull Run Middle School Gainesville, Virginia Nancy B. Martin Social Studies/Personal Finance Teacher Andover Middle School Andover, Kansas Jennifer Nicholls Family and Consumer Science Teacher Shenendehowa Central Schools/ Koda Middle School Clifton Park, New York Jenny Watson Family and Consumer Sciences Teacher Southeast Middle School Kernersville, North Carolina