I have used many textbooks ranging from finance to statistics. This one stands out as the non sense no brain one. I admit that I do not have that genius brain for math, but this textbook is more like a published article that solely tartets a small group of high level readers. As a textbook, it is supposed to provide step to step illustrations to the problems, and vivid explanations will be a big plus. This book has none. One more thing that irritates me is, in many chapters it says Excersise XX will show that XXXXX. WTF, we do not need excerise to show the result... we need your method to tackle the problems....