Copyright © 2012 Michael C. Houlihan and Bonnie M. Harvey

All Rights Reserved. No part of this publication may be reproduced or transmitted in any form or by any means, electronic or mechanical, including photocopy, recording, or any information storage and retrieval system now known or to be invented without the permission in writing from the author.  The author hereby grants permission to others to quote brief passages from this publication on the condition that attribution is contemporaneously given to the author.

The content of this publication has been prepared for informational purposes only.  Although anyone may find the ideas, concepts, practices, suggestions, recommendations, disciplines and understandings presented in this publication to be useful, the contents of this publication are provided with the understanding that neither the author nor the publisher is engaged  in providing any specific business advice to the reader.  Nor is anything in this publication intended to be a strategy or recommendation for any specific kind of business problem or business opportunity.  Each person and business has unique needs, qualities, resources, abilities and other attributes and this publication cannot take these individual differences into account.  Each person and business should engage a qualified professional to address his, her or its unique situation.