http://artfulwriter.com/archives/2005/05/writing_an_effe.html Even though I suspect most of you haven’t been in a credit arbitration, it’s never too early to start thinking about it. You do plan on being successful in the business, right? Well, one of the true costs of success... en-us http://WWW.theblankpage.us/archives/2005/05/writing_an_effe.html The discussion is here....