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2014 by John J. Bertin, Russ Cummings. Published by Pearson Prentice Hall, Pearson Education, Inc., Upper Saddle River, NJ.
All rights reserved. This material is protected under all copyright laws as they currently exist. No portion of this
material may be reproduced, in any form or by any means, without permission in writing from the publisher.

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2014 by John J. Bertin, Russ Cummings. Published by Pearson Prentice Hall, Pearson Education, Inc., Upper Saddle River, NJ.
All rights reserved. This material is protected under all copyright laws as they currently exist. No portion of this
material may be reproduced, in any form or by any means, without permission in writing from the publisher.

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2014 by John J. Bertin, Russ Cummings. Published by Pearson Prentice Hall, Pearson Education, Inc., Upper Saddle River, NJ.
All rights reserved. This material is protected under all copyright laws as they currently exist. No portion of this
material may be reproduced, in any form or by any means, without permission in writing from the publisher.

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2014 by John J. Bertin, Russ Cummings. Published by Pearson Prentice Hall, Pearson Education, Inc., Upper Saddle River, NJ.
All rights reserved. This material is protected under all copyright laws as they currently exist. No portion of this
material may be reproduced, in any form or by any means, without permission in writing from the publisher.

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2014 by John J. Bertin, Russ Cummings. Published by Pearson Prentice Hall, Pearson Education, Inc., Upper Saddle River, NJ.
All rights reserved. This material is protected under all copyright laws as they currently exist. No portion of this
material may be reproduced, in any form or by any means, without permission in writing from the publisher.

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2014 by John J. Bertin, Russ Cummings. Published by Pearson Prentice Hall, Pearson Education, Inc., Upper Saddle River, NJ.
All rights reserved. This material is protected under all copyright laws as they currently exist. No portion of this
material may be reproduced, in any form or by any means, without permission in writing from the publisher.

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2014 by John J. Bertin, Russ Cummings. Published by Pearson Prentice Hall, Pearson Education, Inc., Upper Saddle River, NJ.
All rights reserved. This material is protected under all copyright laws as they currently exist. No portion of this
material may be reproduced, in any form or by any means, without permission in writing from the publisher.

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2014 by John J. Bertin, Russ Cummings. Published by Pearson Prentice Hall, Pearson Education, Inc., Upper Saddle River, NJ.
All rights reserved. This material is protected under all copyright laws as they currently exist. No portion of this
material may be reproduced, in any form or by any means, without permission in writing from the publisher.

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2014 by John J. Bertin, Russ Cummings. Published by Pearson Prentice Hall, Pearson Education, Inc., Upper Saddle River, NJ.
All rights reserved. This material is protected under all copyright laws as they currently exist. No portion of this
material may be reproduced, in any form or by any means, without permission in writing from the publisher.

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2014 by John J. Bertin, Russ Cummings. Published by Pearson Prentice Hall, Pearson Education, Inc., Upper Saddle River, NJ.
All rights reserved. This material is protected under all copyright laws as they currently exist. No portion of this
material may be reproduced, in any form or by any means, without permission in writing from the publisher.

10

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2014 by John J. Bertin, Russ Cummings. Published by Pearson Prentice Hall, Pearson Education, Inc., Upper Saddle River, NJ.
All rights reserved. This material is protected under all copyright laws as they currently exist. No portion of this
material may be reproduced, in any form or by any means, without permission in writing from the publisher.

11

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2014 by John J. Bertin, Russ Cummings. Published by Pearson Prentice Hall, Pearson Education, Inc., Upper Saddle River, NJ.
All rights reserved. This material is protected under all copyright laws as they currently exist. No portion of this
material may be reproduced, in any form or by any means, without permission in writing from the publisher.

12

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2014 by John J. Bertin, Russ Cummings. Published by Pearson Prentice Hall, Pearson Education, Inc., Upper Saddle River, NJ.
All rights reserved. This material is protected under all copyright laws as they currently exist. No portion of this
material may be reproduced, in any form or by any means, without permission in writing from the publisher.

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2014 by John J. Bertin, Russ Cummings. Published by Pearson Prentice Hall, Pearson Education, Inc., Upper Saddle River, NJ.
All rights reserved. This material is protected under all copyright laws as they currently exist. No portion of this
material may be reproduced, in any form or by any means, without permission in writing from the publisher.

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2014 by John J. Bertin, Russ Cummings. Published by Pearson Prentice Hall, Pearson Education, Inc., Upper Saddle River, NJ.
All rights reserved. This material is protected under all copyright laws as they currently exist. No portion of this
material may be reproduced, in any form or by any means, without permission in writing from the publisher.

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2014 by John J. Bertin, Russ Cummings. Published by Pearson Prentice Hall, Pearson Education, Inc., Upper Saddle River, NJ.
All rights reserved. This material is protected under all copyright laws as they currently exist. No portion of this
material may be reproduced, in any form or by any means, without permission in writing from the publisher.

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2014 by John J. Bertin, Russ Cummings. Published by Pearson Prentice Hall, Pearson Education, Inc., Upper Saddle River, NJ.
All rights reserved. This material is protected under all copyright laws as they currently exist. No portion of this
material may be reproduced, in any form or by any means, without permission in writing from the publisher.

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2014 by John J. Bertin, Russ Cummings. Published by Pearson Prentice Hall, Pearson Education, Inc., Upper Saddle River, NJ.
All rights reserved. This material is protected under all copyright laws as they currently exist. No portion of this
material may be reproduced, in any form or by any means, without permission in writing from the publisher.

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2014 by John J. Bertin, Russ Cummings. Published by Pearson Prentice Hall, Pearson Education, Inc., Upper Saddle River, NJ.
All rights reserved. This material is protected under all copyright laws as they currently exist. No portion of this
material may be reproduced, in any form or by any means, without permission in writing from the publisher.

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