I agree not to copy, share and/ or teach any of the materials provided too me by Indiana Minority Coalition Services. No part of this publication may be reproduced, stored in a retriable system, or transmitted in any form of by any means, electronic, mechanical, photocopying, recording, scanning, or otherwise, except as permitted under section 107 or 108 of the 1976 United States Copyright Act without either the prior written permission of the publisher, or authorization through payment of the appropriate per- copy fee to the Copyright Clearance center, Inc., 1111 South Jackson St. Frankfort, IN 46041, 765-659-6380, fax 765-659-6382, or on the web at www.copyright.com. Materials used with the permission of John Wiley &sons, Inc. Foundations for participants, Tim Berthold, editor, second edition. Copyright 2016 by John Wiley & sons, Inc. All rights reserved.