DISCLAIMER: The Pacific Islands Small Business Development Center Network (PISBDCN) at the University of Guam – School of Business & Public Administration is partially funded by a cooperative agreement with the U.S. Small Business Administration (SBA). All opinions, conclusions or recommendations expressed are those of the author(s) and do not necessarily reflect the views of the SBA. Requests for reasonable accommodations for persons with disabilities will be made if requested at least two weeks in advance. Language assistance services are available for limited English proficient individuals with at least two weeks advance notice. For arrangements, please contact Pohnpei SBDC, P.O. Box 159 Kolonia, Pohnpei, FM 96941, Tel: (691)320-2480, or Email email@example.com. Services are extended to the public on a non-discriminatory basis.