Yes, and of course we understand that every entrepreneur is unique and so there are basic steps that all business owners should follow. It includes having a business plan, forecasting out for five years, your capitalization plan, your human resources plan if you are going to have employees, and making sure that you are in compliance with any state or local or federal regulation such as paying taxes. So, within that context, we then can help tailor to the unique need of that individual business owner because we know that owning a retail store is very different than manufacturing and very different from construction. So, what you again have is a basic checklist that's universal to what all businesses need and then it would be tailored to the unique need of you and your industry. I think that a business plan is your guide, because what we have seen is that there are many people who go into business because they have a dream. The last thing we would like to see is someone's dream dying on the parking lot of a bank because they couldn't get the loan or that they didn't have enough capitalization to keep their doors open until the revenue started flowing in. So, obviously you need to have enough capitalization whether you are financing yourself or you're working through a bank or the SBA. It's an important component, but what you really need to remember is that you don't build a house by knowing just how your bedroom is going to look, for example; you build it from the foundation up. That's the same thing that we are trying to do at SBA. I mean, obviously, we would help and encourage "would-be" entrepreneurs to come to our resource partners or district offices so we can help them, but we also have online clues that they can access on the business plan. The most important thing is, obviously, knowing what your resources are, and not only financial resources, but your human capital resources. Owning your own business is probably one of the most rewarding things that someone can do in their economic rise, we hear that all the time. But it's also a huge commitment, not only a financial commitment, but also of your own personal time. So having to sort that out is critical and you should know what your resources are. Anticipate those before you sit down with someone to develop a business plan, and then use the business plan to fine tune it. You don't have to nail down to the penny about what you will need, that's where we can assist in researching and helping you. For example, if you have to buy inventory, that's entirely different than if your inventory is only going to be after someone orders as opposed to having stored inventory. So again, that will impact your bottom line.
