Jeremy and Susan Kramer are friends of yours. You were at their house re- cently and noticed a copy of a business plan on their kitchen table. You knew that Jeremy and Susan talked to their banker a month or so ago about the business, and he asked them to complete a business plan as part of the process of applying for a loan. Jeremy noticed that the business plan caught your eye and said. "Take a look at our plan, we'd like your feedback." In pag- ing through the plan, you noticed that it appeared to be well written and had lots of facts but didn't have a cover page and table of contents, and wasn't divided into sections. It was basically a 35-page continuous narrative. After a few minutes. Jeremy sat down at the table across from you and said, "So, what do you think?" What would you tell him?