Features that make this edition unique include:

At This Moment — A self-assessivent activity that launches every chapter and guides students through goal setting and reflection exercises that ultimately lead them to academic, personal, and social self-improvement.

Blueprints for Change — An activity that hips students strategically think through their immediate and long-term goals for change and the subsequent implications these decisions will have an their lives as students, as members of society, and in their careers.

Reflection — This uniquely activity-oriented text provides students with ample opportunity to internalize the concepts in every chapter. Learning about strategies in abstraction is meaningless unless students are given and subsequently seize the opportunity to personalize these strategies. Journal activities encourage students to reflect upon how the discussion of strategies and goal setting can benefit them in the context of their individual needs. Some students may prefer to write on paper, while others will choose to use a computer. Both options are available at the end of each chapter.

Visit our Student Success supersite at www.prenhall.com/success

Features include, but are not limited to:

• A text-specific companion website that supports every chapter of the text.
  (http://www.prenhall.com/montgomery — select the 3rd edition)
• Majors Exploration
• Career Advice
• Student Success Stories
• Tips for Financial Management