The third booklet in a second series of subject presentations intended to advance the effectiveness of small business management is presented. The lecture is designed as the basis for a presentation to the businessman in nontechnical language. The Lesson Plan is an outline of the material covered which may be used as a teaching guide or as a framework for developing an individualized presentation. The Presentation is a carefully prepared subject presentation which may be used as written or modified to meet local needs and conditions. Visual Aids are photographic copies of the set of visual aids which are available for this topic. These visuals are 8- by 10-inch colored transparencies prepared for use on overhead projectors. The Supply Department consists of materials which can be reproduced locally for distribution to course participants. Cases in Point are short actual small-business management cases which may be used to augment the presentation and to develop discussion. The Incubator is a source of ideas for further thought and discussion by the participants. A short bibliography is provided, and field offices of the Small Business Administration are listed. (CK)