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ACKNOWLEDGMENTS     xxv

                 Finally, I want to welcome and invite your suggestions, ideas, thoughts, comments,
              and questions regarding any part of this text or the ancillary materials. Please call me at
              910-612-5343, fax me at 910-579-5132, e-mail me at freddavid9@gmail.com, or write me
              at the School of Business, Francis Marion University, Florence, SC 29501. I sincerely
              appreciate and need your input to continually improve this text in future editions. Your
              willingness to draw my attention to specific errors or deficiencies in coverage or exposition
              will especially be appreciated.
                 Thank you for using this text.
                                                                          Fred R. David
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