00421nam a22001457a 4500008004100000020001500041050002100056100003000077245005500107250001400162260002900176300003500205650001200240700002300252151007b        xxu||||| |||| 00| 0 eng d  a0324282478  aHG 179 .G54 2005  aGitman, Lawrence J.d2005  aPersonal financial Planning/cLawrence J. Gitman.-  a10th ed.:  aCanada;bThomson,c2005.  axix,702p.:ill;bincludes index  afinance  aMichael D. Joehnk,