This book is a practical book not a theoretical analysis of the business. It is based on practical examples and questions asked by my mentees and others over the years. There seems to be some law, which says that if you record all the issues you have had over three years you find that you have dealt with over 99% of them. In other words, you do not have to worry about the rest they are very unlikely to occur. There are over 200 questions and answers that have been asked regarding various aspects of this business over the years and I have included them in the text. If I have missed something, please ask.