Many, if not most, business surprises are negative ones. They often cause setbacks that require time, energy, and resources just to get the organization back to where it had once been. The pragmatic approach to managing the causes of these lurking setbacks described in IF..., THEN... is a proven method for achieving goals without the burden of these negative surprises. The Protect-Biz risk management planning process is specifically designed for busy people with other things to do. It shatters conventional wisdom, especially when it comes to the threshold for entry into effectively managing the potential obstacles between you and your goals. Its mantra is "identify, avoid, and anticipate-and then get back to work." No costly specialists, no expensive software needed. Protect-Biz leads the entrepreneur, the executive, and the manager to risk management self-sufficiency and independence with very little initial investment in terms of dollars and time.