Finite Mathematics and Calculus with Applications

Margaret Lial / Raymond N. Greenwell / Nathan P. Ritchey  
Total pages
November 2013
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Finite Mathematics and Calculus with Applications
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Finite Mathematics and Calculus with Applications, Ninth Edition, by Lial, Greenwell, and Ritchey, is our most applied text to date, making the math relevant and accessible for students of business, life science, and social sciences. Current applications, many using real data, are incorporated in numerous forms throughout the book, preparing students for success in their professional careers. With this edition, students will find new ways to get involved with the material, such as “Your Turn” exercises and “Apply It” vignettes that encourage active participation. The MyMathLab® course for the text provides additional learning resources for students, such as video tutorials, algebra help, step-by-step examples, and graphing calculator help. The course also features many more assignable exercises than the previous edition.


  • A wide variety of applications reference real data from articles in newspapers, journals, and websites. Examples with recent data help students learn how the mathematics is applied to their field of study, immediately addressing the question “why are we learning this?”
    • Apply It opens most sections with a provocative, real-world oriented question that is addressed in the exposition and exercises.
    • Applied exercises are grouped by type of application and highlighted for easy identification.
    • Extended Applications appear at the end of all chapters to stimulate student interest and foster in-depth learning. Directions forGroup Projects in the Extended Applications provide an opportunity for cooperative learning.
    • Index of Applications provides instructors and students with an overview of the types of applications throughout the book.
    • NEW! Application exercises within MyMathLab are now labeled by type of application.
  • Assessment and remediation features appear at key points to ensure that students keep up with the material, and provide plenty of pointers to help those who fall behind.
    • NEW! “Your Turn” exercises following selected examples provide students with an easy way to stop and check their understanding of the skill or concept being presented. Answers are provided at the end of the section’s exercises.
    • NEW! The Prerequisite Skills Diagnostic Test, just prior to Chapter R, gives students and instructors an opportunity to assess students’ skills on topics that are critical to success in this course. Answers reference specific review material in the text for targeted remediation.
    • Algebra Reference chapter appears at the beginning of the text, allowing students to brush up on their algebra skills.
    • “For Review” boxes in the margin provide immediate review, or refer students back to appropriate sections as needed.
    • Chapter Summaries include important concepts, rules, and formulas, helping students review what they have learned.
    • Caution boxes warn students of common errors/misconceptions and Note boxes offer additional useful information. Both are highlighted for easy reference.
  • Diverse exercise sets show how math is used in students’ major courses of study—business, life science, and social sciences.
    • Connection Exercises, denoted with an icon, integrate topics/concepts from different sections.
    • Writing Exercises, denoted with an icon, provide students with an opportunity to write about important mathematical ideas.
    • Technology Exercises, denoted with an icon, explore concepts using a graphing calculator or spreadsheet.
    • Concept Check exercises in the Chapter reviews help students verify their understanding of important topics.
    • NEW! Reference Tables for Exercises appear in the back of the book, next to the answers to odd-numbered exercises. These tables correlate homework exercises to a helpful example in the text.
  • Technology coverage keeps your classroom and students up-to-date with the latest software and technology options available on the market.
    • NEW! The updated design makes it easier to identify technology coverage so instructors can more easily highlight (or skip) the material.
    • Excel®Spreadsheets are included in examples and exercises where appropriate, allowing students to work problems that closely relate to real-life and business situations.
    • Graphing Calculator discussions are included in many examples, but are not essential for understanding the text. Figures depicting graphing calculator scr

New to this Edition

  • Based on the authors’ experience in the classroom along with feedback from many instructors across the country, this revision improves the clarity of the presentation and provides students with more opportunities to learn, practice, and apply what they’ve learned on their own.
  • The Prerequisite Skills Diagnostic Test gives students and instructors a means to assess the basic prerequisite skills needed to be successful in this course. Answers to the test include references to specific content in the algebra review chapter. The solutions to the questions are included in an appendix so students can self-remediate in a targeted fashion.
  • More applications and exercises include real data.
  • The Instructor’s Edition (AIE) is nowfully annotated. It includes valuable teaching tips in the margins for those instructors who are new to teaching this course. In addition, answers to most exercises are provided directly on the exercise set page to make it easier to assign and check homework. Challenging exercises are labeled with a plus sign (“+”) in the AIE to make them easy to identify.
  • New to the MyMathLab course
    • A “Getting Ready for Applied Calculus” chapter covers prerequisite skills. Used together with the pre-made Diagnostic Tests and Personalized Homework feature, MyMathLab provides a realistic way to address gaps in basic algebra skills.
    • Personalized Homework functionality allows instructors to create homework assignments based on the results of student assessments
    • Tutorial videos for every section of the textbook cover important concepts and terms, and are easily accessible for students who miss lecture.
    • Application labels within exercise sets (e.g., “Business/Econ”) make it easy for instructors to find types of applications appropriate to students.
    • A Ready-To-Go MyMathLab course option for this book provides students with all the same great MyMathLab features that you’re used to, but make it easier for instructors to get started. Each course includes pre-assigned homeworks and quizzes to make creating your course even simpler. For this book, the Ready-to-Go option includes:
      • Prerequisite Skills Test with accompanying personalized homework for remediation
      • A homework assignment for each section of the book
      • Chapter Review Self-Check Quiz with accompanying personalized homework
    • Interactive Figures designed for both in-class teaching and independent learning. Make them a part of assignments with Interactive Figure Questions in MyMathLab.
  • Enhanced examples include more detailed annotations to guide students through new concepts and skills. Since students tend to refer back to the examples for help with homework, they will find this new feature especially helpful.
  • “Your Turn” exercises, following selected examples, provide students with an easy way to stop and check their understanding of the skill or concept being presented. Answers are provided at the end of the section’s exercises.
  • Tailor your technology coverage—material on graphing calculators or Excel® is now set off to make it easier for students and instructors to find if they want to use this technology, or to skip if they don't.
    • All of the figures depicting graphing calculator screens have been redrawn to create a more accurate depiction of the math.
    • This edition references and provides students with a transition to the new MathPrintTM operating system of the TI-84 Plus through the technology notes, a new appendix, and the Graphing Calculator and Excel Spreadsheet Manual.
  • New and updated Extended Applications inclu

Table of Contents

R. Algebra Reference

R.1 Polynomials

R.2 Factoring

R.3 Rational Expressions

R.4 Equations

R.5 Inequalities

R.6 Exponents

R.7 Radicals


1. Linear Functions

1.1 Slopes and Equations of Lines

1.2 Linear Functions and Applications

1.3 The Least Squares Line

Chapter 1 Review

Extended Application: Using Extrapolation to Predict Life Expectancy


2. Systems of Linear Equations and Matrices

2.1 Solution of Linear Systems by the Echelon Method

2.2 Solution of Linear Systems by the Gauss-Jordan Method

2.3 Addition and Subtraction of Matrices

2.4 Multiplication of Matrices

2.5 Matrix Inverses

2.6 Input-Output Models

Chapter 2 Review

Extended Application: Contagion


3. Linear Programming: The Graphical Method

3.1 Graphing Linear Inequalities

3.2 Solving Linear Programming Problems Graphically

3.3 Applications of Linear Programming

Chapter 3 Review

Extended Application: Sensitivity Analysis


4. Linear Programming: The Simplex Method

4.1 Slack Variables and the Pivot

4.2 Maximization Problems

4.3 Minimization Problems; Duality

4.4 Nonstandard Problems

Chapter 4 Review

Extended Application: Using Integer Programming in the Stock-Cutting Problem


5. Mathematics of Finance

5.1 Simple and Compound Interest

5.2 Future Value of an Annuity

5.3 Present Value of an Annuity; Amortization

Chapter 5 Review

Extended Application: Time, Money, and Polynomials


6. Logic

6.1 Statements

6.2 Truth Tables and Equivalent Statements

6.3 The Conditional and Circuits

6.4 More on the Conditional

6.5 Analyzing Arguments and Proofs

6.6 Analyzing Arguments with Quantifiers

Chapter 6 Review

Extended Application: Logic Puzzles


7. Sets and Probability

7.1 Sets

7.2 Applications of Venn Diagrams

7.3 Introduction to Probability

7.4 Basic Concepts of Probability

7.5 Conditional Probability; Independent Events

7.6 Bayes' Theorem

Chapter 7 Review

Extended Application: Medical Diagnosis


8. Counting Principles; Further Probability Topics

8.1 The Multiplication Principle; Permutations

8.2 Combinations

8.3 Probability Applications of Counting Principles

8.4 Binomial Probability

8.5 Probability Distributions; Expected Value

Chapter 8 Review

Extended Application: Optimal Inventory for a Service Truck


9. Statistics

9.1 Frequency Distributions; Measures of Central Tendency

9.2 Measures of Variation

9.3 The Normal Distribution

9.4 Normal Approximation to the Binomial Distribution

Chapter 9 Review

Extended Application: Statistics in the Law - The Castaneda Decision


10. Nonlinear Functions

10.1 Properties of Functions

10.2 Quadratic Functions; Translation and Reflection

10.3 Polynomial and Rational Functions

10.4 Exponential Functions

10.5 Logarithmic Functions

10.6 Applications: Growth and Decay; Mathematics of Finance

Chapter 10 Review

Extended Application: Characteristics of the Monkeyface Prickleback


11. The Derivative

11.1 Limits

11.2 Continuity

11.3 Rates of Change

11.4 Definition of the Derivative

11.5 Graphical Differentiation

Chapter 11 Review

Extended Application: A Model for Drugs Administered Intravenously


12. Calculating the Derivative

12.1 Techniques for Finding Derivatives

12.2 Derivatives of Products and Quotients

12.3 The Chain Rule

12.4 Derivatives of Exponential Fun