CONTENTS vii 10 Consumer Mathematics 584 10. 1 Percent 585 10. 2 Personal Loans and Simple Interest 595 10. 3 Compound Interest 605 10. 4 Installment Buying 615 10. 5 Buying a House with a Mortgage 630 10. 6 Ordinary Annuities, Sinking Funds, and Retirement Investments 641 Chapter Summary 650 Chapter Review Exercises 651 Chapter Test 654 11 Probability 656 11. 1 Empirical and Theoretical Probabilities 657 11. 2 Odds 671 11. 3 Expected Value (Expectation) 679 11. 4 Tree Diagrams 691 11. 5 Or and And Problems 701 11. 6 Conditional Probability 712 11. 7 The Fundamental Counting Principle and Permutations 720 11. 8 Combinations 732 11. 9 Solving Probability Problems by Using Combinations 739 11. 10 Binomial Probability Formula 744 Chapter Summary 753 Chapter Review Exercises 755 Chapter Test 758 12 Statistics 760 12. 1 Sampling Techniques and Misuses of Statistics 761 12. 2 Frequency Distributions and Statistical Graphs 770 12. 3 Measures of Central Tendency and Position 784 12. 4 Measures of Dispersion 797 12. 5 The Normal Curve 806 12. 6 Linear Correlation and Regression 822 Chapter Summary 837 Chapter Review Exercises 838 Chapter Test 841
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