Acknowledgments

I am very grateful to Sean Wakely, Nechama Ross, and Vicki Brentnall at FlatWorld for helping to launch Version 3.0 of this text. Jeff Shelstad nurtured the project at inception and introduced me to Carol Yacht, who has been a generous mentor. Irwin Gelber has been and continues to be more than patient throughout; his faith has been unfailing and his support has been vital. I am thankful for the inspiration of several great teachers and colleagues, both in finance and in pedagogy. Most of all, I have been fortunate to have been taught by hundreds of students, of all ages and stages, from whom I have learned so much.