rs users math skills needed for business and personal applications. The text begins with a comprehensive review of the basic math functions (addition, subtraction, multiplication, and division) and progresses to fractions and decimals. Once the students have mastered the basics, they are introduced to practical applications that develop critical thinking skills. These applications include bank records, purchasing and pricing merchandise, payroll, taxes, insurance, consumer credit, and interest (simple and compound). This easy-to-follow, step-by-step approach allows students to work at their own pace. Numerous self-help tips, practice activities, and self-assessments are provided so that each student feels competent in their newly acquired skill before moving on to the next.