CHAPTER 1 Life is stochastic. Although proponents of determinism might state otherwise, anyone who works in business or finance today knows quite well that future events are highly unpredictable. | WILEY FINANCE Financial Mndnling with Crystal Ball and Excel KT Companion Web site includes custom edition spreadsheet models and a trial version of Crystal Ball software JOHN CHARNES Financial Modeling with Crystal Ball and Excel JOHN CHARNES 1807 WILEY S 2007 mH Hr BICÏNTEN N IAL John Wiley Sons .