Here's the award!    Heh, heh.    Pretty neat, huh?  

Anyway, before you check them out, whet  your appetite on this article that I wrote for Business Credit (a NATIONAL magazine!!) in August 2000
                                   appetite whetter

Wait, here's another one from Business Credit November 2006.  Good stuff.
                                   another appetite wetter, er, whetter

And ANOTHER!     (from October 2007)    Click here 
                                 






And now, here they are ....


                                  or just click here if moving objects scare you.
Norm's website 
business_credit_article_oct_07_pdf.pdf
business_credit_article_oct_07_pdf.pdf