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greenman - you might want to consider changing your receivables strategy - 70% is a lot of money to leave out there, hoping you don't run into any problems collecting. 2 or 3 slow payers in a row and all of a sudden you can't meet payroll.
It can all happen really quickly, and happen even though you're doing lots of business. In fact, that seems to be the time it happens most often.
The less you leave out there for collection at the end, the better off you're going to be. And for me, that meant that I slept through the night more often.
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