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Created by the continuous feedback of a "student-tested, faculty-approved" process, M&B 3 delivers a visually appealing, succinct print component, tear-out review cards for students and instructors and a consistent online offering with CourseMate that includes an eBook in addition to a set of interactive digital tools all at a value-based price and proven to increase retention and outcomes. M&B 3's brief, focused approach reads more like a business periodical than a text. The thoroughly updated coverage addresses the modern framework of today's financial system in which both financial markets and banks play important roles. Numerous real business applications and an inviting writing style, infused with the latest financial examples, relate current money and banking topics to your students' everyday lives and careers. You'll find the most recent financial figures, memorable full-color photos, and access to Cengage's Global Economic Watch to help captivate your students. Through CourseMate, your students have access to a full suite of interactive learning resources including downloadable flash cards, interactive workshops, learning games and more to help you connect your students to the latest developments in money and banking today for long-term personal and career success.

Dean Croushore, University of Richmond

Dean Croushore is Professor of Economics and Rigsby Fellow at the University of Richmond. Prior to moving to the University of Richmond in 2003, he served for 14 years as an economist at the Federal Reserve Bank of Philadelphia. As vice president and economist at the Philadelphia Fed, his duties included heading the macroeconomics group, briefing the bank's president and board of directors on the state of the economy and providing advice for administering two national surveys of forecasters and researching current issues in monetary policy. Dr. Croushore received his A.B. from Ohio University and his M.A. and Ph.D. from Ohio State University. Dr. Croushore's research in recent years has focused on forecasting and how data revisions affect monetary policy, forecasting and macroeconomics research. His publications include articles in many leading economics journals. He serves as Associate Editor of the Journal of Money, Credit and Banking and Journal of Business and Economic Statistics.
  • THE LATEST FINANCIAL COVERAGE REFLECTS TODAY'S MOST RECENT FINANCIAL CLIMATE: Updated content throughout this edition provides insights into the most recent financial developments, data, and legislative changes. The book's online Global Economic Watch (updated 4 times each day) further keeps your course abreast of the latest developments.
  • NEW! Updated NEWS UPDATES with quizzing! New to M&B 3e are News Updates connecting your students to the latest real-world economic and financial events through the CourseMate product. The Third Edition now also includes both open-ended and multiple-choice quizzing options associated with these news items, clearly connecting the real world of economic transactions to key concepts in the text.
  • All of the content and resources you expect with a supplements package that is second to none including PowerPoint® slides, an Instructor's Manual, Test Bank, and Cengage Learning Testing Powered by Cognero - a flexible, online system that allows you to: Author, edit, and manage test bank content from multiple Cengage Learning solutions; Create multiple test versions in an instant; Deliver tests from your LMS, your classroom or wherever you want.
  • Every 4LTR Press solution comes complete with an engaging print textbook, tear-out review cards, an interactive digital solution (CourseMate), and an eBook all of which were directly influenced from student focus groups and surveys, and from interviews with nearly 150 faculty and students.
  • Shorter, comprehensive chapters in a modern design present content in a more engaging and accessible format without minimizing coverage for your course.
  • Tear-Out Review Cards at the back of the Student Editions provide students a portable study tool containing all of the pertinent information for class preparation.
  • Instructor Prep Cards at the back of the Instructor's Edition make preparation simple with detachable cards for each chapter, offering a quick map of chapter content, a suggested list of teaching objectives and current issues for classroom discussion to help you organize chapter content efficiently.
  • Every 4LTR Press solution comes with CourseMate, the interactive digital component that offers a full suite of unique learning tools that appeal to different learning styles. Multimedia resources include downloadable flash cards, interactive workshops and online quizzing, and learning games and more.
  • "DATA BANK" AND "POLICY INSIDER" PROVIDE INSIGHTS INTO ACTUAL BUSINESS CHALLENGES: Engaging "Data Bank" features explore how data collection affects real-world businesses, institutions, and investors. "Policy Insider" boxes provide first-hand insights as these features highlight the author's personal experience with policy decisions at the Federal level.
  • "APPLICATION TO EVERYDAY LIFE" SECTIONS AND "POLICY ISSUES" RELATE CONCEPTS TO TODAY'S LIFE: Examples within the book's "Application to Everyday Life" help students connect concepts in the text to their personal experiences, while chapter-ending "Policy Issues" highlight key policy decisions that relate to the chapter content.
1. Money and the Financial System.
2. The Financial System and the Economy.
3. Money and Payments.
4. Present Value.
5. The Structure of Interest Rates.
6. Real Interest Rates.
7. Stocks and Other Assets.
8. How Banks Work.
9. Government's Role in Banking.
10. Economics Growth and Business Cycles.
11. Modeling Money.
12. The Aggregate-Demand/Aggregate-Supply Model.
13. Modern Macroeconomic Models.
14. Economic Interdependence.
15. The Federal Reserve System.
16. Monetary Control.
17. Monetary Policy: Goals and Tradeoffs.
18. Rules for Monetary Policy.

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See what Michelle, a student using 4LTR Press, has to say about her learning experience.

Cengage provides a range of supplements that are updated in coordination with the main title selection. For more information about these supplements, contact your Learning Consultant.


Cengage Learning Testing, powered by Cognero Instant Access

ISBN: 9781285980218

CourseMate, 1 term (6 months) Instant Access

ISBN: 9781285168043
Bring course concepts to life with Cengage Learning's Economics CourseMate. Interactive learning, study, and exam preparation tools support the printed M&B, 3E text. Watch student comprehension soar as your class combines insights from the printed text with the engaging tools on this textbook-specific website. Economics CourseMate goes beyond the book to deliver what you need with an interactive eBook and interactive teaching and learning tools, including newly added News Updates that connect the world of current events to key concepts in the text with quizzing, flashcards, and more. Engagement Tracker, a first-of-its-kind tool, monitors your students' engagement in your course.

Aplia Instant Access

ISBN: 9781285446486
Aplia is an interactive, online learning solution that increases student effort and engagement while minimizing instructor time spent on manual grading and class administration. Assignments are written specifically for each text by content experts. Interactive chapter assignments, tutorials, news analyses, and experiments make economics relevant and engaging.


CourseMate, 1 term (6 months) Instant Access

ISBN: 9781285168043
Make the grade and make the most of your study time by accessing everything you need to succeed in one place with Economics CourseMate. The more you study, the better the results with this dynamic online tool. The Economics CourseMate website provides an interactive eBook with highlighting, note taking and an interactive glossary. You can also review and master concepts with interactive learning tools, including News Updates that connect the world of current events to key concepts in the text with quizzing, flashcards, and more, available at

Aplia Instant Access

ISBN: 9781285446486
Aplia is an online interactive learning solution that helps you improve comprehension – and your grade – by integrating a variety of mediums and tools such as multi-media, tutorials, and an e-book.