Now I am officially lost!!! I since posted this question in two different math forums, people there both asked and clarified, then no response!!!

I have one book and at least one article derived the equations like in my first post, but obviously the example I gave does not agree with the first post and I triple checked my example. I don't think I did anything wrong.......apparently I have not get any suggestion otherwise from three forums!!! I am pretty sure I am missing something as the book I used is a text book used in San Jose State and I studied through 7 chapters and yet to find a single mistake until the question here.

Anyone has anything to say?

From my example,

And this answer makes a lot more sense.

Thanks