I'd like to tell you that this idea came to me while "contemplating in my study" or something as academic and erudite as that. Truth is, it just sorta came to me while working with a prospective client. And after it hit me, I realized that this is the basis for survival for all of us.
The person I was working with was in tears. Too many bills, not enough sales, and their retail business was in great danger. This person was in a constant state of unbridled worry, sleepless nights, and economic tor
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