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This document provides the complete solution manual for Focus on Personal Finance, 12th Edition by Jack Kapoor, Les Dlabay, Robert J. Hughes, and Melissa Hart. It includes step-by-step solutions to all end-of-chapter problems and financial planning exercises across all 19 chapters. Topics include budgeting, saving, credit use, housing and auto decisions, insurance planning, retirement and estate planning, taxes, and investing. The solutions are tailored for accuracy and support student learning, making this manual a key tool for personal finance exam preparation and course success.
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