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Suppose we have a function f (x, y) or f (x, y, z) defined in some domain, 
  and seek a global maximum for it, in that domain.We may do so as in ordinary 
  calculus, by finding critical points in the interior of our domain and comparing 
  behavior at them with that at its boundaries.
  The condition for a point r' to be critical for f is that all directional 
  derivatives of f vanish at r = r'. This is the statement that 
  
f 
  is the zero vector, and all of its components vanish for (x, y, z) = (x', y', 
  z'): 

Consider quadratics critical at the origin in two dimensions: they can behave like any of :
x2 + y2 which has a minimum there.
-2x2 - 3y2 which has a maximum there.
x2 - y2 which has a saddle point.
xy which has a saddle point.
10xy - x2- y2 which has a saddle point.
The coefficients of the quadratic that f resembles at r' are determined 
  by the second partial derivatives of f at r'. In order for the critical 
  point to be a minimum, the second partials with respect to x and y must 
  both be positive, and they must be large enough to dominate the xy term corresponding 
  to the cross partial 
.
  The actual condition is the familiar discriminant, b2 -4ac, 
  of the quadratic must be negative, which means, in terms of derivatives, that 
  the square of the cross partial is less than the product of the other two:

In three dimensions a critical point will be a minimum when the "diagonal partials" are positive, the two dimensional condition holds for all pairs of variables (x, y), (x, z) and (y ,z), and the three dimensional determinant of the second partial derivatives is also positive.
We get a maximum when all diagonal second derivatives are negative, as is the three by three determinant of second partials, and the two by two determinants are all positive. (You can see this by changing the sign of f and applying the minimum conditions to -f. The two by two conditions are unaffected by the sign change.)