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Protect-Biz? examples 082013

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Salt Marsh Solutions, Inc.
Salt Marsh Solutions, Inc.

The Protect-Biz? Risk Management Planning Process represents a unique approach for small and medium companies to manage their risks. These real examples presented to clients and online users provide insights into the breadth and depth of the risks and management actions that can be easily managed within this framework. See it at www.protect-biz.com.

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? Salt ?Marsh ?Solutions, ?Inc. ?All ?Rights ?Reserved ? ? ? ? ? Page ? ? 1 ? Protect-?©\Biz? ?Risk ?Management ?Planning ?Process ? Current ?Examples ?in ?the ?www.Protect-?©\Biz.com ?Risk ?Management ?Planning ?Wizard ? As ?of ?8/22/13 ? ? While ?the ?examples ?presented ?to ?the ?user ?in ?the ?wizard ?may ?be ?easily ?selected ?for ?entry ?into ?the ?user¡¯s ?individualized ?risk ? management ?plan, ?they ?also ?serve ?as ?examples ?to ?help ?the ?user ?to ?understand ?the ?broad ?range ?of ?possible ?risks ?and ?identify ? additional ?risks ?for ?inclusion ?in ?their ?plan. ? ? ? This ?list ?represents ?examples ?of ?risks. ?Please ?note ?the ?broad ?range ?of ?risks ?that ?can ?be ?easily ?managed ?within ? the ?Protect-?©\Biz? ?process. ? ? Advertising ¨C print Ads not delivered as promised Advertising ¨C print Approved copy not delivered Advertising ¨C print Client content not acceptable to advertiser Advertising ¨C print Client does not have contract authority Advertising ¨C print Client will not pay Any Acts of nature disrupt operations Any Cash flow problems Any Critical websites not available Any Pending government decisions Business Services Client refuses to accept product/deliverable Business Services Delayed payments Career Planning Current job lacks opportunities Career Planning My skills are out of date Career Planning Resume not generating interest in the right people Career Planning Theft of identity Education Bad press (quality of educational achievement) Education Bad press (student discipline) Education Students bring contraband into school
? Salt ?Marsh ?Solutions, ?Inc. ?All ?Rights ?Reserved ? ? ? ? ? Page ? ? 2 ? Financial Services Insider irregularities Financial Services Product complexities obscure transparency Franchise owner Franchisor experiences public relations problem Franchise owner Franchisor files for bankruptcy Health & Wellness Negative press about product/services Insurance Bad press about companies represented Land Development Difficulties with zoning board Large Business Loss of investor confidence Large Business Merger Local Government Bad press Marketing Budget reduction Marketing Misinterpretation of message by target group Marketing Unsatisfactory campaign results Nat. Resource Expl. & Prodn Dangers of processing explosive substances Nat. Resource Expl. & Prodn Disruptive effects of new technology Nat. Resource Expl. & Prodn Unilateral contract terms with government or owner Non-Profit Demand exceeds capacity to serve Non-Profit Grant money dries up Non-Profit Loss of community support Retail Product recall Retail Supplier problems Small/Medium Business Loss of computer files Small/Medium Business Loss of current customers/clients Small/Medium Business Poor response to products/services Start-up Conflict over intellectual property Start-up Difficulty attracting and retaining contributors Start-up Marketing efforts not achieving success Volunteer Community requirements exceed capacity Volunteer Community requirements exceed capacity
? Salt ?Marsh ?Solutions, ?Inc. ?All ?Rights ?Reserved ? ? ? ? ? Page ? ? 3 ? Volunteer Leadership positions not filled Volunteer Loss of critical expertise ? ? ? ? ? ?
? Salt ?Marsh ?Solutions, ?Inc. ?All ?Rights ?Reserved ? ? ? ? ? Page ? ? 4 ? ? ? This ?list ?represents ?examples ?of ?possible ?assumptions. ?Tracking ?assumptions ?as ?risks ?is ?an ?important ?element ? of ?the ?Protect-?©\Biz? ?process. ? ? ? Advertising ¨C print Client has the ability to pay Advertising ¨C print Delivery contractor will deliver as promised Any Health of key personnel allows contribution Any Physical facilities available for use Any Supply chain costs are stable Business Services Client accepts invoices Business Services Client organization supports project Business Services Workspace at client site is acceptable Education Public accepts that contraband must be prohibited Financial Services Advisor understands client's priorities accurately Financial Services Market expectations are positive Financial Services Transactions will be posted in a timely manner Marketing Clearly defined target markets Marketing High confidence in demographic data Nat. Resource Expl. & Prodn Demand will continue to increase Nat. Resource Expl. & Prodn Oil & gas freely tradable Nat. Resource Expl. & Prodn Predictability of commodity prices Non-Profit Board governance is active Non-Profit Established grants will pay on a reliable schedule Small/Medium Business Data backup and recovery are reliable Small/Medium Business Family experiences no significant health issues Small/Medium Business Order cancellations are minimal Start-up Customers will pay promptly Start-up Other income will continue uninterrupted
? Salt ?Marsh ?Solutions, ?Inc. ?All ?Rights ?Reserved ? ? ? ? ? Page ? ? 5 ? Start-up Suppliers will meet their commitments Volunteer Assets properly controlled Volunteer Can maintain critical skills Volunteer Can maintain critical skills Volunteer Volunteer staff members remain committed ? ? ? ?
? Salt ?Marsh ?Solutions, ?Inc. ?All ?Rights ?Reserved ? ? ? ? ? Page ? ? 6 ? ? ? This ?list ?represents ?examples ?of ?possible ?risk ?avoidance ?actions. ? ? Advertising ¨C print Ensure client understands delivery risks Advertising ¨C print Specify contract terms Any Establish project management standards Any Install redundancy for Internet access Any Reduce reliance on USPS Business Services Communicate benefits of project Business Services Ensure timesheets and expenses are correct Business Services Establish agreement prior to project Financial Services Avoid overly complex products Financial Services Diversify holdings Nat. Resource Expl. & Prodn Define contractual remedies Nat. Resource Expl. & Prodn Maintain hedge agreements Non-Profit Identify additional sources of funding Small/Medium Business Establish usability testing processes Small/Medium Business Test data recovery process monthly Start-up Establish specific goals for marketing initiatives Start-up Require status reporting by supplier Start-up Review compensation packages Volunteer Establish asset control procedures Volunteer Maintain focus on contribution to community Volunteer Proactively recruit critical skills ? ? ? ?
? Salt ?Marsh ?Solutions, ?Inc. ?All ?Rights ?Reserved ? ? ? ? ? Page ? ? 7 ? ? ? This ?list ?represents ?examples ?of ?what ?we ?call ?Tripwires ?¨C ?objective ?criteria ?letting ?us ?know ?it ?is ?time ?to ?take ? some ?action ?to ?minimize ?the ?negative ?impact ?of ?a ?risk ?that ?has ?turned ?toxic. ?The ?concept ?of ?Tripwires ?is ?a ? unique ?and ?powerful ?element ?of ?the ?Protect-?©\Biz? ?process. ?It ?allows ?one ?to ?respond ?quickly ?and ?decisively ?to ? risks ?turned ?toxic. ? ? Advertising ¨C print Client hesitates paying on time Advertising ¨C print Client refuses to accept ad copy Any Building access restricted for more than X hours Any Cost of any supply item increased by > XX % per yr Any X days without USPS service Business Services Client personnel not available for meetings Business Services Non-acceptance of deliverables as scheduled Business Services Rejected invoices Financial Services Client communicates inconsistent priorities Financial Services Inability to fully explain a complex product Financial Services News of regulator investigations Nat. Resource Expl. & Prodn Commodity volatility index exceeds XX Nat. Resource Expl. & Prodn Political unrest exceeds acceptable level Non-Profit Cancelled Board meetings; agenda items deferred Non-Profit Grant application rejected Non-Profit Shelter registration exceeds capacity Small/Medium Business Customer complaints Small/Medium Business Key contributor not available for work Small/Medium Business Unpaid invoices, write-offs Start-up Advertised staff positions open > X weeks Start-up Supplier missed agreed-upon schedule Start-up Supplier quality is unacceptable Volunteer Any unfilled leadership position
? Salt ?Marsh ?Solutions, ?Inc. ?All ?Rights ?Reserved ? ? ? ? ? Page ? ? 8 ? Volunteer Cannot get commitments X days before event Volunteer Greater than X% of $ value/year ? ? ? ?
? Salt ?Marsh ?Solutions, ?Inc. ?All ?Rights ?Reserved ? ? ? ? ? Page ? ? 9 ? ? ? This ?list ?represents ?the ?opportunity ?to ?get ?others ?to ?help ?in ?managing ?risks. ?The ?concept ?of ?Tripwire ?Monitors ? is ?a ?powerful ?element ?of ?the ?Protect-?©\Biz? ?process. ?Tripwire ?Monitors ?may ?be ?designated ?by ?title, ?role ?or ?by ? name. ? ? Any Bookkeeper Any Chief Financial Officer Any Head of security Business Services Accounts Receivable Department Business Services Project Manager Financial Services Advisor guidance services Financial Services Financial Advisor Nat. Resource Expl. & Prodn Commodity Risk Manager Group Nat. Resource Expl. & Prodn Local, resident management; gov't affairs Non-Profit Grants Administrator/Treasurer Non-Profit Shelter Manager Small/Medium Business COO Small/Medium Business HR Director Small/Medium Business Scheduling Manager Start-up HR Department Start-up Human Resources Department Start-up Procurement office Start-up Receiving Volunteer Asset Manager Volunteer Director Volunteer Volunteer coordinator ? ? ?
? Salt ?Marsh ?Solutions, ?Inc. ?All ?Rights ?Reserved ? ? ? ? ? Page ? ? 10 ? ? This ?list ?represents ?examples ?of ?risk ?mitigation ?actions. ?While ?no ?one ?knows ?exactly ?how ?the ?future ?may ? unfold, ?pre-?©\defining ?mitigation ?actions ?represent ?a ?starting ?point ?for ?deciding ?exactly ?how ?to ?respond ?in ?a ? specific ?situation. ? ? ? Advertising ¨C print Add additional charges for excessive revisions Advertising ¨C print Initiate collection processes Advertising ¨C print Offer acceptable payment options Any Establish special cash reserve, weekly reporting Any File police report Any Remove employee access, logon ID Any Stop payment of check Business Services Discuss with client's project sponsor Business Services Manage client expectations; meet expectations Business Services Project Manager discuss with client counterpart Financial Services Additional research; additional sources Financial Services Revisit priorities and goals with client Nat. Resource Expl. & Prodn Legal resolution as previously specified Nat. Resource Expl. & Prodn Review prod'n forecasts; review capital projects Non-Profit Apply to alternative sources for funding Non-Profit Board member(s) discuss issue with Chairman Non-Profit Create, issue press release Small/Medium Business Investigate root causes of product problems Small/Medium Business Obtain legal assistance Small/Medium Business Re-distribute workload Start-up Meet with supplier & reach agreement Start-up Meet with supplier and reach agreement Start-up Utilize additional media for advertising positions Volunteer Increase frequency of audits
? Salt ?Marsh ?Solutions, ?Inc. ?All ?Rights ?Reserved ? ? ? ? ? Page ? ? 11 ? Volunteer Recruit new members Volunteer Recruit special skills ? ? ? ?
? Salt ?Marsh ?Solutions, ?Inc. ?All ?Rights ?Reserved ? ? ? ? ? Page ? ? 12 ? ? ? This ?list ?represents ?examples ?of ?the ?designated ?authority ?to ?launch ?mitigation ?actions. ?This ?authority ?may ?be ? specified ?by ?title, ?role ?or ?by ?name. ?This ?element ?ensures ?the ?proper ?authority ?is ?in ?control ?of ?the ?response ?to ? risks ?turned ?toxic. ? ? ? ? ? Any Chief Executive Officer Any Chief Financial Officer Any Head of security Business Services Project Manager Financial Services Financial Advisor Non-Profit Board Chairman Non-Profit Executive Director Non-Profit Treasurer Small/Medium Business CEO Small/Medium Business COO Small/Medium Business Production Manager Start-up Owner, Partner Volunteer Asset Manager, Director Volunteer HR Coordinator Volunteer Volunteer Coordinator ? ? The ?Protect-?©\Biz? ?client ?is ?by ?no ?means ?limited ?to ?these ?examples. ?They ?are ?shared ?to ?help ?potential ?clients ?comprehend ?the ? range ?and ?the ?depth ?of ?risk ?management ?planning ?(and ?management) ?made ?available ?by ?the ?unique ?and ?robust ?Protect-?©\Biz? ? process. ? ? Over ?time ?we ?will ?add ?specific ?industries ?and ?additional ?examples ?to ?this ?report. ? ? You ?may ?consider ?becoming ?a ?Protect-?©\Biz? ?by ?visiting ?www.protect-?©\biz.com ?and ?www.sms-?©\ga.com, ?our ?firm¡¯s ?webste. ? Additional ?insights ?may ?be ?gained ?by ?reviewing ?the ?FAQs ?on ?either ?of ?these ?sites. ?

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Protect-Biz? examples 082013

  • 1. ? Salt ?Marsh ?Solutions, ?Inc. ?All ?Rights ?Reserved ? ? ? ? ? Page ? ? 1 ? Protect-?©\Biz? ?Risk ?Management ?Planning ?Process ? Current ?Examples ?in ?the ?www.Protect-?©\Biz.com ?Risk ?Management ?Planning ?Wizard ? As ?of ?8/22/13 ? ? While ?the ?examples ?presented ?to ?the ?user ?in ?the ?wizard ?may ?be ?easily ?selected ?for ?entry ?into ?the ?user¡¯s ?individualized ?risk ? management ?plan, ?they ?also ?serve ?as ?examples ?to ?help ?the ?user ?to ?understand ?the ?broad ?range ?of ?possible ?risks ?and ?identify ? additional ?risks ?for ?inclusion ?in ?their ?plan. ? ? ? This ?list ?represents ?examples ?of ?risks. ?Please ?note ?the ?broad ?range ?of ?risks ?that ?can ?be ?easily ?managed ?within ? the ?Protect-?©\Biz? ?process. ? ? Advertising ¨C print Ads not delivered as promised Advertising ¨C print Approved copy not delivered Advertising ¨C print Client content not acceptable to advertiser Advertising ¨C print Client does not have contract authority Advertising ¨C print Client will not pay Any Acts of nature disrupt operations Any Cash flow problems Any Critical websites not available Any Pending government decisions Business Services Client refuses to accept product/deliverable Business Services Delayed payments Career Planning Current job lacks opportunities Career Planning My skills are out of date Career Planning Resume not generating interest in the right people Career Planning Theft of identity Education Bad press (quality of educational achievement) Education Bad press (student discipline) Education Students bring contraband into school
  • 2. ? Salt ?Marsh ?Solutions, ?Inc. ?All ?Rights ?Reserved ? ? ? ? ? Page ? ? 2 ? Financial Services Insider irregularities Financial Services Product complexities obscure transparency Franchise owner Franchisor experiences public relations problem Franchise owner Franchisor files for bankruptcy Health & Wellness Negative press about product/services Insurance Bad press about companies represented Land Development Difficulties with zoning board Large Business Loss of investor confidence Large Business Merger Local Government Bad press Marketing Budget reduction Marketing Misinterpretation of message by target group Marketing Unsatisfactory campaign results Nat. Resource Expl. & Prodn Dangers of processing explosive substances Nat. Resource Expl. & Prodn Disruptive effects of new technology Nat. Resource Expl. & Prodn Unilateral contract terms with government or owner Non-Profit Demand exceeds capacity to serve Non-Profit Grant money dries up Non-Profit Loss of community support Retail Product recall Retail Supplier problems Small/Medium Business Loss of computer files Small/Medium Business Loss of current customers/clients Small/Medium Business Poor response to products/services Start-up Conflict over intellectual property Start-up Difficulty attracting and retaining contributors Start-up Marketing efforts not achieving success Volunteer Community requirements exceed capacity Volunteer Community requirements exceed capacity
  • 3. ? Salt ?Marsh ?Solutions, ?Inc. ?All ?Rights ?Reserved ? ? ? ? ? Page ? ? 3 ? Volunteer Leadership positions not filled Volunteer Loss of critical expertise ? ? ? ? ? ?
  • 4. ? Salt ?Marsh ?Solutions, ?Inc. ?All ?Rights ?Reserved ? ? ? ? ? Page ? ? 4 ? ? ? This ?list ?represents ?examples ?of ?possible ?assumptions. ?Tracking ?assumptions ?as ?risks ?is ?an ?important ?element ? of ?the ?Protect-?©\Biz? ?process. ? ? ? Advertising ¨C print Client has the ability to pay Advertising ¨C print Delivery contractor will deliver as promised Any Health of key personnel allows contribution Any Physical facilities available for use Any Supply chain costs are stable Business Services Client accepts invoices Business Services Client organization supports project Business Services Workspace at client site is acceptable Education Public accepts that contraband must be prohibited Financial Services Advisor understands client's priorities accurately Financial Services Market expectations are positive Financial Services Transactions will be posted in a timely manner Marketing Clearly defined target markets Marketing High confidence in demographic data Nat. Resource Expl. & Prodn Demand will continue to increase Nat. Resource Expl. & Prodn Oil & gas freely tradable Nat. Resource Expl. & Prodn Predictability of commodity prices Non-Profit Board governance is active Non-Profit Established grants will pay on a reliable schedule Small/Medium Business Data backup and recovery are reliable Small/Medium Business Family experiences no significant health issues Small/Medium Business Order cancellations are minimal Start-up Customers will pay promptly Start-up Other income will continue uninterrupted
  • 5. ? Salt ?Marsh ?Solutions, ?Inc. ?All ?Rights ?Reserved ? ? ? ? ? Page ? ? 5 ? Start-up Suppliers will meet their commitments Volunteer Assets properly controlled Volunteer Can maintain critical skills Volunteer Can maintain critical skills Volunteer Volunteer staff members remain committed ? ? ? ?
  • 6. ? Salt ?Marsh ?Solutions, ?Inc. ?All ?Rights ?Reserved ? ? ? ? ? Page ? ? 6 ? ? ? This ?list ?represents ?examples ?of ?possible ?risk ?avoidance ?actions. ? ? Advertising ¨C print Ensure client understands delivery risks Advertising ¨C print Specify contract terms Any Establish project management standards Any Install redundancy for Internet access Any Reduce reliance on USPS Business Services Communicate benefits of project Business Services Ensure timesheets and expenses are correct Business Services Establish agreement prior to project Financial Services Avoid overly complex products Financial Services Diversify holdings Nat. Resource Expl. & Prodn Define contractual remedies Nat. Resource Expl. & Prodn Maintain hedge agreements Non-Profit Identify additional sources of funding Small/Medium Business Establish usability testing processes Small/Medium Business Test data recovery process monthly Start-up Establish specific goals for marketing initiatives Start-up Require status reporting by supplier Start-up Review compensation packages Volunteer Establish asset control procedures Volunteer Maintain focus on contribution to community Volunteer Proactively recruit critical skills ? ? ? ?
  • 7. ? Salt ?Marsh ?Solutions, ?Inc. ?All ?Rights ?Reserved ? ? ? ? ? Page ? ? 7 ? ? ? This ?list ?represents ?examples ?of ?what ?we ?call ?Tripwires ?¨C ?objective ?criteria ?letting ?us ?know ?it ?is ?time ?to ?take ? some ?action ?to ?minimize ?the ?negative ?impact ?of ?a ?risk ?that ?has ?turned ?toxic. ?The ?concept ?of ?Tripwires ?is ?a ? unique ?and ?powerful ?element ?of ?the ?Protect-?©\Biz? ?process. ?It ?allows ?one ?to ?respond ?quickly ?and ?decisively ?to ? risks ?turned ?toxic. ? ? Advertising ¨C print Client hesitates paying on time Advertising ¨C print Client refuses to accept ad copy Any Building access restricted for more than X hours Any Cost of any supply item increased by > XX % per yr Any X days without USPS service Business Services Client personnel not available for meetings Business Services Non-acceptance of deliverables as scheduled Business Services Rejected invoices Financial Services Client communicates inconsistent priorities Financial Services Inability to fully explain a complex product Financial Services News of regulator investigations Nat. Resource Expl. & Prodn Commodity volatility index exceeds XX Nat. Resource Expl. & Prodn Political unrest exceeds acceptable level Non-Profit Cancelled Board meetings; agenda items deferred Non-Profit Grant application rejected Non-Profit Shelter registration exceeds capacity Small/Medium Business Customer complaints Small/Medium Business Key contributor not available for work Small/Medium Business Unpaid invoices, write-offs Start-up Advertised staff positions open > X weeks Start-up Supplier missed agreed-upon schedule Start-up Supplier quality is unacceptable Volunteer Any unfilled leadership position
  • 8. ? Salt ?Marsh ?Solutions, ?Inc. ?All ?Rights ?Reserved ? ? ? ? ? Page ? ? 8 ? Volunteer Cannot get commitments X days before event Volunteer Greater than X% of $ value/year ? ? ? ?
  • 9. ? Salt ?Marsh ?Solutions, ?Inc. ?All ?Rights ?Reserved ? ? ? ? ? Page ? ? 9 ? ? ? This ?list ?represents ?the ?opportunity ?to ?get ?others ?to ?help ?in ?managing ?risks. ?The ?concept ?of ?Tripwire ?Monitors ? is ?a ?powerful ?element ?of ?the ?Protect-?©\Biz? ?process. ?Tripwire ?Monitors ?may ?be ?designated ?by ?title, ?role ?or ?by ? name. ? ? Any Bookkeeper Any Chief Financial Officer Any Head of security Business Services Accounts Receivable Department Business Services Project Manager Financial Services Advisor guidance services Financial Services Financial Advisor Nat. Resource Expl. & Prodn Commodity Risk Manager Group Nat. Resource Expl. & Prodn Local, resident management; gov't affairs Non-Profit Grants Administrator/Treasurer Non-Profit Shelter Manager Small/Medium Business COO Small/Medium Business HR Director Small/Medium Business Scheduling Manager Start-up HR Department Start-up Human Resources Department Start-up Procurement office Start-up Receiving Volunteer Asset Manager Volunteer Director Volunteer Volunteer coordinator ? ? ?
  • 10. ? Salt ?Marsh ?Solutions, ?Inc. ?All ?Rights ?Reserved ? ? ? ? ? Page ? ? 10 ? ? This ?list ?represents ?examples ?of ?risk ?mitigation ?actions. ?While ?no ?one ?knows ?exactly ?how ?the ?future ?may ? unfold, ?pre-?©\defining ?mitigation ?actions ?represent ?a ?starting ?point ?for ?deciding ?exactly ?how ?to ?respond ?in ?a ? specific ?situation. ? ? ? Advertising ¨C print Add additional charges for excessive revisions Advertising ¨C print Initiate collection processes Advertising ¨C print Offer acceptable payment options Any Establish special cash reserve, weekly reporting Any File police report Any Remove employee access, logon ID Any Stop payment of check Business Services Discuss with client's project sponsor Business Services Manage client expectations; meet expectations Business Services Project Manager discuss with client counterpart Financial Services Additional research; additional sources Financial Services Revisit priorities and goals with client Nat. Resource Expl. & Prodn Legal resolution as previously specified Nat. Resource Expl. & Prodn Review prod'n forecasts; review capital projects Non-Profit Apply to alternative sources for funding Non-Profit Board member(s) discuss issue with Chairman Non-Profit Create, issue press release Small/Medium Business Investigate root causes of product problems Small/Medium Business Obtain legal assistance Small/Medium Business Re-distribute workload Start-up Meet with supplier & reach agreement Start-up Meet with supplier and reach agreement Start-up Utilize additional media for advertising positions Volunteer Increase frequency of audits
  • 11. ? Salt ?Marsh ?Solutions, ?Inc. ?All ?Rights ?Reserved ? ? ? ? ? Page ? ? 11 ? Volunteer Recruit new members Volunteer Recruit special skills ? ? ? ?
  • 12. ? Salt ?Marsh ?Solutions, ?Inc. ?All ?Rights ?Reserved ? ? ? ? ? Page ? ? 12 ? ? ? This ?list ?represents ?examples ?of ?the ?designated ?authority ?to ?launch ?mitigation ?actions. ?This ?authority ?may ?be ? specified ?by ?title, ?role ?or ?by ?name. ?This ?element ?ensures ?the ?proper ?authority ?is ?in ?control ?of ?the ?response ?to ? risks ?turned ?toxic. ? ? ? ? ? Any Chief Executive Officer Any Chief Financial Officer Any Head of security Business Services Project Manager Financial Services Financial Advisor Non-Profit Board Chairman Non-Profit Executive Director Non-Profit Treasurer Small/Medium Business CEO Small/Medium Business COO Small/Medium Business Production Manager Start-up Owner, Partner Volunteer Asset Manager, Director Volunteer HR Coordinator Volunteer Volunteer Coordinator ? ? The ?Protect-?©\Biz? ?client ?is ?by ?no ?means ?limited ?to ?these ?examples. ?They ?are ?shared ?to ?help ?potential ?clients ?comprehend ?the ? range ?and ?the ?depth ?of ?risk ?management ?planning ?(and ?management) ?made ?available ?by ?the ?unique ?and ?robust ?Protect-?©\Biz? ? process. ? ? Over ?time ?we ?will ?add ?specific ?industries ?and ?additional ?examples ?to ?this ?report. ? ? You ?may ?consider ?becoming ?a ?Protect-?©\Biz? ?by ?visiting ?www.protect-?©\biz.com ?and ?www.sms-?©\ga.com, ?our ?firm¡¯s ?webste. ? Additional ?insights ?may ?be ?gained ?by ?reviewing ?the ?FAQs ?on ?either ?of ?these ?sites. ?