The Northeastern California SBDC, San Joaquin Delta College, is co-sponsored by CSU Chico Research Foundation/CED. It is funded in part through a cooperative agreement with the U.S. Small Business Administration. All opinions, conclusions or recommendations expressed are those of the author(s) and do not necessarily reflect the view of the SBA. The SBDC program is nondiscriminatory. Reasonable accommodations for the disabled will be made, if requested in advance.