Finance Management Project Strategic
 Handbook for Small Business is not offered as a substitute for in-person counseling, but rather as an enhancement of counseling. It is published with the understanding that the publisher is not engaged in rendering legal, accounting or other professional service.

Although this publication has been prepared by competent, knowledgeable and experienced contributors, it should not be used as a substitute for professional or other authentic sources in specific situations. As pointed out repeatedly in the book, legal or other expert assistance should be sought when required.