A USEFUL BOOKLET Fear has been expressed by the managers of a number of small companies about the possibility of a downturn in the economy. As a response to this (31) of the major banks is offering small businesses a free practical guide to help them (32) problems should occur. The booklet is about helping firms identify and cope with a changing economic climate. Each chapter of the booklet highlights a key area that a small business needs to examine and sets (33) a survival plan to follow, assisting businesses to anticipate problems and be better prepared. The bank has published the guide as it is keen to help its customers survive and thrive no (34) what the climate. The guide should allow them to consider the issues facing business and to understand the way in (35) their customers’ attitudes and values are likely to change if times do get hard. (36) the bank does not believe that we are on the verge of entering a recession, many businesses are facing a slowdown. In (37) a climate, cash flow is crucial. Just (38) cars do not run without fuel, so firms do not run without cash. Clearly, managers need to know how to make the (39) of their cash and how to avoid running out of it. Small businesses are always on the lookout for information that is clearly and simply laid on. This guide provides exactly (40) , and is a must for every small business.