4 Banking and Financial Systems Ted Brauch Vice President Wells Fargo Jacksonville, Florida Sandra Cullen Business/Marketing Teacher Jemison High School Jemison, Alabama Stephen Day Programs Director North Carolina Council on Economic Education Raleigh, North Carolina Holly B. Laird Business and Finance Teacher Leesville Road High School Raleigh, North Carolina LouAnn Massey Business Teacher Las Cruces Public Schools Las Cruces, New Mexico Kim Miller Marketing Teacher Holtville High School Deatsville, Alabama Debra Moore Business Education Teacher Raymond S. Kellis High School Glendale, Arizona Julie Moore Business Teacher East Porter County School Corporation Valparaiso, Indiana Sharmyn Munoz GRADS Teacher Gallup Central High School Gallup, New Mexico Kimberly Pruiett Marketing Education Teacher Winston Churchill High San Antonio, Texas Luke W. Reynolds Insurance Professional Rhonda Schmaltz Business Department Chair and Instructor Ames High School Ames, Iowa Jason Weiss Business Teacher and DECA Advisor Howard High School Macon, Georgia Reviewers The author and publisher would like to thank the following industry and teaching professionals, who provided valuable input into the development of this text.