I remain astounded at the number of small business owners who get into trouble but who refuse to employ an attorney because it might send the wrong message! Could that be one of the reasons why so many of us get hurt so badly when things go wrong?

Imagine the scene. Itís a rugby field. Your family is in the stands, along with everyone you know. Itís a full crowd. The opposition team charges out ñ 15 humongously big and ugly men, rippling with muscle, loaded with steroids, and followed by their entourage ñ the coach, the under coaches, the team doctors, the team psychologist, the team strategists, the team manager, the entire management team of the sponsor, the team pom pom girls, the water boy[s], and a few others with no discernible role but looking very important.

Mental simulation... Before you get to pilot  a commercial aircraft with hundreds of passengers on board, you need a little bit of experience. Of course, you need some technical skill as well - and your pilot's licence is proof of that - but you need experience.