Mike Chaet, Ph.D., founded the CMS International Consulting firm, M & M Properties, Loops4Biz.com, Hydromaniax inc., and many other successful small businesses. A lecturer, author, and small business consultant, he has been involved in the develop- ment and management of over 2,500 small businesses worldwide. He splits his resi- dence between Bozeman, MT, and Phoenix Arizona, with his wife Mary and little black pug dog named Ozzy. He may be contacted at: [email protected].