Business: This firm was recently acquired by an experienced professional counselor who heads a staff of three good counselors. Its primary emphasis is on technical management people and it handles clerical and computer operator jobs only as a sideline. Eventually, Strictly Business will be a competitor as I develop more mid-level management clients, but initially, they will not be a problem as our markets are so different.     c. The Woodshaft Organization: This agency has a staff of three and is directly competitive. Woodshaft spends about $1,000 per month on advertising, but does little work with community organizations such as the South City Womens Resource Center. The owners husband died recently and as an understandable result, the business seems to lack energy. I believe that the Woodshaft Organization will offer the most competition over the next several years. However, because of the expanded South City job market, my own proven track record at Mid-Mountain and my commitment to hard, creative work, I feel there is plenty of room for my new enterprise to prosper. 3. Market Growth     South City has a large number of the type of jobs I specialize in, with plenty of growth potential. Most of the other agencies are more interested in technical job categories. South Citys growth as a regional financial and market center will ensure commensurate growth in job openings and should encourage the trend for women to reenter the job market. My approach to counseling both employers and employees is unique locally and I expect a continuing growth from my commitment to individual service, because this approach saves everyone time and expense in the long run.         My new downtown location (the office I will take over from Mid-Mountain) is already established, convenient and close to the Womens Resource Center, with whom I work closely.     NoteIf you plan a large service business and need to borrow more money, it would be wise to back up this section with growth projection statistics. These are probably available from local banks, the Chamber of Commerce, etc. F. Financial Projections     1. Introduction     The key to the prosperity of Central Personnel Agency lies in quickly getting the business into the black and then building on that initial success.     The Profit and Loss and Cash Flow Forecasts in this section show a significant profit and positive cash flow from the beginning of operations. These results depend on my ability to generate revenue at the rate of $4,000 per month for the first two months and $5,000 for each month thereafter. I have no doubt about my ability to do this based on the job orders already on the books. This is because I have most of the employee applications necessary to fill these jobs on file and know how to locate the rest. And even if my revenue forecasts for the first two months are off by as much as $1,500 per month (37.5%), I will still be able to pay business expenses, service the loan and cover my basic living expenses.     2. Loan Security     My personal financial statement is included in Section G, below. I believe my personal signature is