Changes in the fifth edition include: A new chapter on credit derivatives (Chapter 21). New! Business Snapshots highlight real-world situations and relevant issues. The first six chapters have been -reorganized to better meet the needs of students and .instructors. A new release of the Excel-based software, DerivaGem, is included with each text. A useful Solutions Manual/Study Guide, which includes the worked-out answers to the "Questions and Problems" sections of each chapter, can be purchased separately (ISBN: 0-13-144570-7).

    Rich with examples and applications, the book always emphasizes practical uses of the knowledge related to the study of children. " Knowledge-in-Action boxes provide additional information on Education, Special Education, Health/Safety, and Policy - topics selected with an eye toward application. This is the only child development book with separate language chapters for each stage of development. Complete and thorough coverage of infant, child, and adolescent development conveyed in a straightforward and clear writing style. Research Close-Up boxes provide concise reviews of current research on important and interesting topics. " For anyone interested in child development, early childhood education, and family studies.