Internal Controls and Accountability – Corporate Culture Necessities

UBS Investment Bank's Offices at 299 Park Avenue
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This week another “what is going on” happened in the financial industry.  This time it is UBS and 31-year-old UBS trader Kweku Adoboli who is accused of rogue trading with estimated losses now closer to $2.3B.  The activity had been occurring for the last three years but according to UBS it just recently uncovered the activity.  Sadly, this comes just a few years after the financial crisis of 2008 and UBS’ commitment to improve risk-controls and management system after it had a $50B write-down.

Accountability and risk management were areas of opportunity for UBS back in 2008 and part of the commitment Oswald Grübel, CEO made when he joined in 2009 to improve the risk management.  Fast-forward to September 2011, and apparently the culture is deeply rooted with folks who are working against the mantra of improved operations and risk management or so it seems.

UBS’ story is too familiar to those following the market, corporate culture and the financial industry.  In fact UBS’s story is eerily similar to Société Générale SA and Jérôme Kerviel, who racked up a $7.2B loss doing the EXACT same thing.  Kerviel was accused of making fake trades to hide his losses and repeatedly deleted those trades just before inspections, re-entering them afterward.

If you read Kerviel’s and the Soc Gen story, Kerviel will tell you that his leadership knew what was going on and he alleges even helped circumvent the system controls to allow him to make incredibly large trades given his previous successes.  Others were also involved, knew what was going on and in fact left the business shortly after the discovery.  Regulators on the Soc Gen case, The Bank of France, made 17 routine on-site investigations of Soc Gen in the two years prior to Kerviel’s capture and did not detect the matter.

So what is the answer to protect business owners, investors, customers and employees?  First off businesses today are operating in a much more complex environment and with a weaker economy.  When knowledge and money are scarce, we see the true ethical fabric of people and corporate cultures.

Knowing that we have complex and fast-paced environments, and financially weaker economics, we have to acknowledge that financial controls, IT security, risk management and a “do the right thing” culture are critical to ensuring protection of economic value.

As leaders, I would recommend the following to help create a culture of accountability and oversight:

1)  Automation of controls is good but it alone will not do it.  Human observation is critical to catch activity when systems do not.  In the cases I have been involved in; it was the person who has a funny feeling that triggered the review.

2)  Instill in all levels of management the understanding and expectation of risk management as part of their core responsibilities.

3)  View new processes, systems, people selection all with the eye of risk avoidance.  How can we ensure our data is protected, our systems are secure, our people support a culture of taking care of each other, the investors, the customers and the broader economic community?

4)  If you find a flaw, promote it, tell others so they know how it happened, how it was fixed, and that leadership is always on the lookout for other errors.

  1. If it is a system error, do a full sweep of the systems to inventory and determine if others are out there.
  2. If personnel related, investigate how rooted the infraction is on the culture.  Usually people cannot commit a crime alone…typically there are others who at least know about it if not participated in the act.  Determine the depth and breadth of the web of knowledge.

UBS, the world’s largest private wealth manager said no client’s positions were compromised.  However its reputation has been seriously harmed and with their letter to clients this weekend they attempt to provide some assurances “We fully understand this incident has caused you concern.  We too are very disappointed, and we assure you that UBS is taking the matter extremely seriously.”

Well, what about the letter to its shareholders that lost $2B in operating income, or the 3,500 employee force reduction announced in August with a value of $2B which will appear to cover the loss or the broader market that is teetering in its confidence of the financial industry and market in general?

This was not a single person acting alone in a cone.  Several people either activity or passively through lack of controls and accountability played a role in the situation.

We as leaders of companies must understand we are all connected…when we create an environment of strength, values, sustainability and corporate citizenry then we create our own destiny of greatness.  Looking away is not an option for us.  If internal controls and accountability are not on your short list as a leader….this is your wake up call to make some changes.  Too many people are counting on us.

 

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Learn from History: Transparency in Corporate Culture is Essential

Enron Complex in Houston Texas
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I am watching a rerun of “Enron: Smartest Guys in the Room“.  Had the Stockholders had transparency into the company, the corporate culture and the legacy of leadership decisions, things would have been different.  A sad story of how so many people on the inside knew or sensed much but said little until it was too late.

If you own a business, share your culture, your decisions and your stories with your employees, your clients and your stockholders.  If you want a legacy and long term success, this is the only way to go…like any relationship…Trust is Essential.

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People Take Care of People…Period.

Thanks to Social Media, we are seeing just how communal and supportive people are to one another.  Our most basic needs to be socially and emotionally connected are being met in a broad and sweeping way.  It is an amazing new frontier we are experiencing and the business world is catching on in droves.  You have heard the saying “our employees are our most important resource”, yet not as many employees felt that way.  Thankfully, the tides are starting to change…ahh….how good it is and what a glorious change it will be when fully realized.

People ARE the most important resource, people ARE the most important asset, and people ARE the most important gift you will ever get in life.  They are the like water, and air to us…we cannot live without their connection.  Why…because people take care of people….period.

As a leader of an organization, rethink the paradigm.  Your employees should be first in the care chain.  When you take care of your employees first, they will see your customer as their customer and take care of them accordingly.  People will do more when they are in love and they will be naturally inspired to make a difference with others.  When your employees take care of the customers, they will show their love, care and support in return and take care of your business and your shareholders/owners.

Rethink the Paradigm:  Employees then Customers then Shareholders.  Your organizations may be successful but you won’t know just how much you are leaving on the table until you realize this paradigm.

As the leader of You, take care of yourself first.  Fully love yourself first and then you may love and help others.  When you love yourself fully you expect more, learn and grow more, and give and care more.  Caring and giving more are the best things you can do for yourself, others and your company.  Finding out what gifts you are meant to leave, what messages you are meant to share, and what lessons you are meant to teach are the greatest things you can do for others and your company.  When you take care of yourself and then others, it becomes a natural extension to take care of the world including its resources and peace.  Only the most self-actualized and enriched people live this way and aspire for a world of peace and possibilities.

Rethink the Paradigm.  You then Others then the World.  Are you awesome already…taking good care of your health, heart, mind, soul, family and friends, employer, leader, co-workers, community, and earth?  If you are not yet, just imagine how awesome you could be?

People take care of People.  When we understand this fully and emotionally, our new reality will be far greater than anything we could imagine.

Today’s Project:  Show kindness to yourself, to someone who has made it challenging for you in the business community (your boss, your employee, your customer) and do something earth friendly today.  It takes time to see the change so do it again tomorrow and the following day.  Know this: You are changing the direction of your life, the lives of others and the world.  Now that is Awesome!

I would like to hear from you…you matter to me.  What do you think of this interpretation of People taking care of People?  Share your comments below and share with others if you feel so inspired.

The Power of Team Means Invincible

Below is a condensed excerpt a note I wrote to my magnetic group on the power Captureof team.

I was reminded time and again this weekend about the concept Team is Everything.  This past weekend, I saw a movie about a team of escaped prisoners from Siberia in 1940 who traveled over 4000 miles from Russia to India to seek freedom from oppression and certain death.  It was a great example of the amazing power of a collective team’s determination.

Not all survived, sadly, but those that did survive had amazing fortitude and walked with passion and a dream of a peaceful destination.  The team worked well together, for the most part, and they leaned on each other when needed.  It was another great example, to me, that through the hard work and determination success is possible.

On a lighter note, the MAVs won Sunday night their first NBA Championship.  They too demonstrated in their actions and their repeated mantras that TEAM IS EVERYTHING and they won as a team.  The messages that we “succeed as a team” are all around us in overt words and action and in silent stealth motions.  

Thank you for being part of the Team, representing and building the team in your words and actions.  All other leaders should be so lucky to have such a fine example of teamwork.

With the lens of teams you will be able to see some invisible things.  Flow, power, and the spirit.  Sound spiritual and soft, but you can see it in action whether in the professional sports or in the corporate field.  See the power.

 

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The Day You Get Promoted by Election

Imagine the Day When Your Promotion is not by your boss or what others leaders have heard about you and your past performance.  Instead, you are promoted based on an election of the people you will be managing in a team environment.  They pick you based on what they thought of your past performance, previous results and accomplishments, intelligence, vision, drive, relationships with the team members, inspirational and motivational skills and your genuine interest and past successes developing others.

It is not too far in the distant future that leaders will not be selected any longer by a select group of who you know and who knows your work but rather by a communal review and election.  Everyone wants the winning team, the winning track record for success and soon it will move from the childhood line up of where some fortunate individual gets to pick the team and the selectee just hopes the right leader picks them first and they go early in the draft otherwise it tells others they weren’t their first choice.

Although the economy maybe still limping into recovery, I submit that we as leaders not be fooled and recognize our teammates are sizing up their accomplishments and options.  When the time is right and someone is ready to jump in first, we will see a shift in how we select team members.  We will move in the direction of a democracy of where we as leaders are selected based on our performance, our values, our vision of the future of the organization and our track record for success.

The same will hold true for those members being selected for a team.  The days of where folks get paid to do a job will move away and instead we will have people who are paid to deliver objectives and selection to teams are communal and by leaders AND peers.  Teams and leaders will have less and less bench-warmers and more team members who have siginificant clock time.  Teams will move to compensation on objectives and more importantly results.  Even further in the future I could see compensation of a team to be more communal and based on a meritocracy.  Imagine, your teammates and members determine your pay.  I know it is a little out there but it will happen.  There are already people talking about ways to change the management paradigm.  Check out Management Exchange, a community of like-minded leaders who are looking to change today how we manage.

Although technology and this new age of innovation in everything from consumer products to management are changing how we live and work in the world, I still see that real and meaningful connections is the secret sauce to success.  This means the teams/companies that win BIG in the marketplace will be the ones that care first.  They will care first about their teams who in turn care about the consumers.  We, as humans, are always generous to those who think of us, take care of us and show us they love us.  Consumers will be generous to teams that care about them and that will result in better results for the owners of the companies.

Who will be the owners of the companies?  I am not sure it will be the structure we have today.  Having skin in the game is an age-old life truth.  Those that are invested are more interested in the success.  Giving team members ownership interest in the team that ties directly to their short term and long-term results in a real and sizeable way is what help create the connection between the team and the results.  Loose ties through 401(k)s may still exist but they will do so more for altruistic means sake and not as a direct measure to tie to performance.  By getting those that have no real interest and steel glad ties in the success of teams/companies/objectives is part of the new world order.  Unconnected and uninterested money managers will not be part of the long-term equation.  Frankly, having more skin in the game would have made a difference and perhaps prevented the near precipitous of the recent financial crisis.  We as human have the innate ability to survive and getting the layers out of successes for a company and therefore our future, ensures those survival skills are closer to the ground and always sensing.

I am excited at all the possibilities of where we are going.  I would just encourage everyone to be ready and understand that we can’t look back at what was and wish it could be again.  We have to enjoy what is occurring today and be prepared through constant development of ourselves and our relationships and experiences so we are ready for tomorrow.

Keep your Business Relationship Healthy and Sustainable

You have seen those men and women that have been married for years and have let themselves go whether extra weight, outdated look, or the loss of pep that made the other like them so much.  Folks get settled into what is comfortable, easy and things just start to lose importance.  Before you know it, you realize your best self was some time ago and you wonder if you can get it back and certainly your partner is thinking the same thing.

In a business relationship, between an organization and its employees, the same holds true.  Organizations court, some time intensely and fiercely, to win you over to their team.  They offer you a good package, opportunities for advancement and the idea or fantasy of having your own empire.

Employees, too, play the game of coming to the dance with their best outfit, their promises to be their best, give their all, win like no other, be relentless to learn, grow and demonstrate loyalty that they will not look at another company.

At some point, the honeymoon is over and reality sets in.  The air comes out of the bubble and depending on how far off you are from what you represented, respectively, will determine how disappointed you will each be and who will be disappointed the most.

Anyone who has been in a successful relationship knows that you have to be sincere, honest, respectful, ethical, healthy, kind, constantly learning/growing and give more than you expect if you want your relationship to live and flourish.  The same holds true for your Business Relationships.

What is a Healthy Business Relationship?

In 2011, a healthy business relationship is an absolute necessity if you want to win in the global economy.  We need each other like never before.  Our talents as individuals when well placed in a diversified group coupled with the power of brand and financial strength can make for a powerful partnership.  A successful partnership is one of trust, giving our best and not expecting an equal reciprocity.  It is a partnership that strives and drives for excellence in all things we do together.  You have seen those partnerships.  They are strong and formidable, loving, kind, intensely emotional, intellectual with deep sense of connection.  In the business world if you do not have that sense of connection between an individual, a team and a company, you will not win in the global marketplace.  If you want to win, you have to have a Healthy Business Relationship.

To talk about this subject, we need a series of posting involving employees, teams and organizations.  Today’s post is about the employee role and the importance and necessity of self-development.  If we believe the notion that we are responsible for our own destiny, then we should have high expectations of ourselves and recognize individuals, as employees, hold the key to success.  This includes employees being accountable to what they promised and what we expect of them when it comes to personal and professional growth.  Employees play a critical role on the team so they must constantly be challenging themselves and ultimately their team to greatness in their mind, spirit and heart.

“…The true nobility is in being superior to your previous self.”
 – Hindu Proverb

Employees on a team and in an organization must commit to themselves to constantly work on improving themselves.  That is how to stay fit and stay in a healthy relationship.

I have been working for global and successful companies for 18 years and I have found self-development to be an underpinning of a successful relationship.  Employees who practice self-development are multi-faceted through enlightenment and practice.  To be successful in your business relationship you need to be the following:

1)   Be a Technical Superhero.

2)   Be a Life Long Student and Sage Seeker.

3)   Be a Principles and Morals Partner.

4)   Be a Humanist.

5)   Be a Connector.

6)   Be an Athlete.

7)   Be a Kind Contrarian.

8)   Be a Calculated Risk Taker.

9)   Be a Leader of One and Many.

10) Be Yourself.

Be a Technical Superhero

Become fierce and ferocious about your technical skills.  As employees, organizations are expecting you come to the relationship with an already healthy set of technical and analytical skills.  Whether you are in the business of law, accounting, relationships and advocacy, IT technical skills, marketing, operations or organizational development to name a few, you have to know your profession and its technical and analytical skills like no one’s business.  You are not going to be expected to know the business or certainly be an expert out of the gate, but you are expected to come to the table with the technical skills to handle the job.  Whether in an existing job or a new assignment, you have to study and practice the skills to keep yourself current and relevant.  I tell my team compatriots “think of yourself as if you are joining favorite pro football team and you are the quarterback.  You are expected to know to throw touchdowns, make completions and get the ball down the field. You are not expected to know the playbook of the team, but you are expected to bring your strength and skills and not only learn the playbook but bring a fresh perspective based on your expertise that would otherwise be missing without you.”  The same is true in when you join a company or a team in business.  They are hiring your strengths so be fierce and ferocious and bring your A game to the table.  If you are coming into a new position, make sure you already have down at least half of the job they are asking you to do and be ready to put in a tremendous amount of hours, outside the office, to learn the new skills, laws, theories and practices to help you escalate up the learning curve.

When studying your subject matter, please know all the basic answers are out there.  You have to be willing to put in whatever the effort to seek the answers and obtain understanding.  Your teammates, your team leader and your company will invest in you to the same degree you are willing to invest in yourself.  The law of attractions is alive and well when it comes to self-development.  Be willing to be the Technical Superhero even if you have to moonlight to get there.  Success doesn’t happen by accident.  It happens because of tremendous investment by those willing to invest in themselves.

With the world changing so fast, there are expectations you take the time and energy to self develop and improve quickly and constantly.  It is what being “informative” is all about and one of the five pillars of i5.  Also, it is what you bring to a healthy relationship.  When you are healthy and in shape you will want to be with others who are like-minded and others with the same qualities will seek you out and want to be with you.  Be a Technical Superhero and Be Informative.  It is what makes a business relationship healthy and long lasting.

Be a Life Long Student and Sage Seeker.

Be tenacious to learn new frameworks in your profession, new management and leadership concepts and learn unrelated subjects.  Learning new items regardless of the subject is a huge multiplier for you as an employee.  Expanding your knowledge makes your conversations more interesting, enlightening and empathetic.  Knowledge makes your contributions to the business relationship more creative.  People like to take their newfound knowledge and apply it.  Applying your newfound knowledge, regardless of the topic, in a new and creative way is what being innovative is all about.  Being Innovative is one of the five pillars of i5 and one of the most interesting.

Take a look at something that you just love whether a painting, a great book, a new technical gadget, an application, a website or service, a movie, a designed room and see if you notice the multiple layers of textures, ideas, or needs being met.  Creativity is about layering and mixing multiple items.  It could be bringing together unrelated topics.  For example, Picasso’s artwork took cubism and introduced new shapes and form and incorporating African Art to create some of the most revered and widely recognized artwork around the world.  Spend some time looking at his artwork, see if you can see the singular items and how they were layered, integrated and ultimately created a new masterpiece and a new form of art language.  As another example, last week in Santa Fe, New Mexico I met and spent time with an artist named Jennifer JL Jones.  She was discussing one of her painting that was on exhibit.  Jennifer is an accomplished artist with representation/exhibits in Atlanta, Florida, Santa Fe, Chicago, and San Francisco.     When I viewed her work, I loved it and was inspired to include her in this section as her work is a creation of nine different mediums (oil, acrylic, textured paper, asphalt, wood stain, glue, charcoal, wax and metal) all on a wood board.  For me the work is beautiful and a great example of learning and using different items in a layering way to create something completely different, unique an extraordinarily beautiful.

You can apply these concepts to business in many ways: 1) be enlightened that creativity comes from learning new things and 2) layering and mixing unique and unrelated items together is what creates something new.  Other examples, more applicable to the business and technology world include Steve Jobs and the invention of the Mac computer.  In his 2005 Stanford University commencement speech, Steve Jobs talked about having an insatiable appetite to learn and he took a calligraphy class after dropping out of college.  Ten years after taking the class, when he was designing the first Macintosh computer, all his studies of typography came back to him.  “The Mac would have never had multiple typefaces or proportionally spaced fonts” had he not mixed and layered.  Some most recent inventions featured in Time Magazine’s 50 Best Inventions of 2010 display the art of layering and mixing to create anew:  1) Flipboard the fabulous iPad application that organizes getting updates from your friends via facebook, twitter and links from others of interest in an browsable and magazine like format.  The images are oversized, the typography is clean and the product has an overall glossy magazine feel that is just superb.  Here is an example of mixing the reality of information overload of social media with the old world charm of magazines where we could sit and read flipping the pages on a Sunday afternoon (something I am doing today).  Great concepts are born when we bring items together and ask “why not”?

If you research innovative creations you will see the Life Truth that mixing ideas and theories together is how new ideas, creations and inventions are born.  Here is one last example of just how new and crazy things get life.  eLegs Exoskeleton is a robotic prosthetic leg that uses artificial intelligence to “read” the wearer’s arm gestures via crutches and capturing and simulating their walk without a tether.

Today military soldiers use exoskeletons to lift heavy packs and this idea was the inspiration for eLeg.  I wonder if an ex-military solider was the connector in helping to bring the need to regain or obtain movement of others and exoskeletons together?  Rehabilitation centers are using this technology today and it is expected this will hit the home market in 2013.

Innovation is not just creating new things by mixing, layers and bringing together disparate ideas, but it is also about having the tenacity and courage to work on dormant ideas started by others and making them your own.  Some say Apple’s iPad is one such example where Apple reinvented Microsoft’s unpopular TabletPC by creating and layering in new finger friendly hardware and software to its already intuitive operating system with access to prolific applications.

Recognize that while these items are big and life changing, they were started by people willing to learn, keep their eyes and mind open to creation and were willing to speak their voice.  If you work for a company, you have the backing of a company with financial power, brand strength and the amazing power of a team of individuals.  You don’t have to work at Google, Facebook or Apple to be Innovative.  I submit you have to be willing to learn, create and then most importantly of all…speak your voice and then speak it again, until one of your ideas makes it from ideation to creation.

Become a Life Long Learner and you will become Innovative.  Being innovative is a VERY attractive feature to bring to the Business Relationship.

Life Truth:  A business relationship is no different than any other close relationship.  You have to be willing to give your best, grow and constantly reinvent yourself.  Greatness will follow in the proportion you are willing to contribute to the relationship.  Be willing and through actions put your best self forward.  Your business relationships will be what sustains you economically.

Hey where are 3 – 9?  You are probably wondering where the rest of the self-development topics are at….well we should let these two marinate for a bit to go from your conscious to your subconscious.  Feel free to read again and more importantly spend some time seeking examples of where this maybe true in your own world and your own experiences.  Know of any Technical Superheroes and any Life Learners?  I do, they are my friends, my colleagues, my mentor, my leadership, my beloved man, my mother, my family and my team.  They were the inspiration for this post.    When you see that we are informative and innovative creatures if we are willing to open our eyes, minds and hearts to learning new things and mixing and layering and creating ideas, we will see that they sky is the limit for us.  Share with me what you observed; I would love to hear what you see with these lenses.

The rest of the articles will post over the coming weeks.  I too need time to take my superhero strengths to create and develop something worthy of your valuable time.

Be a Technical Superhero.  Be a Life Learner,

RC Ybarra

Team is Everything

When you figure out this life truth, then you will know that we are all connected and the power for success resides more on our side than on the site of fate.  Team means you play for one goal, you share the credit and you play to your team Capturemember’s strengths.  In your business, you have to be honest with yourself.  Whether you own a plumbing company, a home security company, a flower shop, a bakery or a caterer, do you feel you are oneteam?  Frankly, large companies are slowly starting to figure out that teams are critical and definitely the smaller businesses have not even begun to figure this out…until now.  Here is the plan for you as the owner of your business:

1) Define the goals for your business.  Sounds basic, but if you don’t have any goals, or worse yet your team doesn’t know the goals then you already know why you are not where you want to be.  Be clear on your goals.  If you have not completed goals or if you have not communicated goals then stop right now and put pen to paper and define your goals.  Your employees want to follow, but they need CLEAR and CRISP Goals along the tactics that need to be in play to make those goals as reality.

2) Assess the members on your team.  What positions need to be played and whom do you have on the team already?  Are you playing your team members to their strengths or are you just trying to get folks to play?  What are their personalities and are you playing to their personality strength?  For selecting candidates to work in my organization, I require each to complete the Briggs Myers Test.  Here is a free test for you to use to help determine your employees and candidate’s personality type.  I like to useDavid Keirsey’s site to get a quick read of their type and how it plays into our organization.  Know your team so you can know how to best use their strengths to your advantage.

3) Create a Cause.   Your team will rally behind your cause if it is something greater than yourself and the goal of making money.  For example, if you are a home security company, offering safety and peace of mind could be your cause.  Supporting your local police departments and firefighters shows your employees and your customers you are committed to safety.  You are not in the security home system business; you are in the safety business.  Think about the over 1 million non-profits out there in the U.S.  How are they able to get so many people to volunteer and work for pennies on the dollar?  It is because they are working for a cause greater than themselves.  Create a real and meaningful cause in your organization.  You will be a forerunner in the small business community and your business will grow because everyone wants to play for the winning team and frankly customers want to be a part of a winning business too.

I have seen leaders in large and medium businesses who are exceptionally brilliant and the concept of team seems elusive to them.  These leaders and their businesses are still making money, but leaving money on the table they may not even imagine.

I can tell the health of a team by asking a few questions of their leaders.  What are the goals of the company, what are the strengths of the company and what is its culture?  I recently attended a dinner with a vendor technical sales leader and I could not help myself but ask him several questions about his company.  I was surprised by his honesty and concerned about the business after we left.  In fact, as we were driving home, I remember thinking “why can’t businesses’ valuation include a factor for it’s organizational health?  A team maybe winning on paper but how they are actually playing on the field will tell you whether those are real winnings or just low hanging fruit that eventually falls off.   In my opinion valuation should include an component for an organization’s health.  You have to ask the questions and get people to be real.  I now know better and now you do too.

Want to win?  Then know Team is Everything!

Get Inspired

Business-center
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You are one of nearly 6 million; you employ 59 million people with a payroll of $2 trillion annually.  It is because of you that our economy leans on.  In my opinion, your grit, determination and perseverance helped to sustain us through this great recession.

As you go forward, your strategic and tactical decisions will be key to allow your employees to rest easier at night knowing they can count on your leadership to give them peace of mind.

You should be proud of who you are.  You are what have made our country great.  Now more than ever you call upon what you know and dig deep, real deep.  If you want your business to survive and grow, you will have to open your minds to things you have never thought about, you will have to be willing to take risks and think about progressive topics that may seem unconventional.  You will have to open your hearts to love something different than you may have loved before.  And you will have to open your spirit to a new sense of grit and determination beyond anything you have ever done.

This site will give you a toolbox of thoughtful and insightful topics.  Use them and make them your own.  This is not a follow these instructions to improve or make your business successful.  Heck no.  This is a site is provocative.  Use these tools to think, create and execute a business strategy that is right for you.  One that rings true to your inner beat.  That is the only way your business will succeed.  I will just tell you, though be ready to bring on your game and be it will be tough.

Ready to take your business to a new level?  Be vulnerable and be inspirational.  You have to be inspirational to move forward.  When times are tough, which they will, it is your inspiration that will see you through.  Get Inspired!

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