The past five years have been some of the most economically troubling in recent memory. Large banking institutions have come under scrutiny, entire corporations have gone bankrupt and the financial markets have taken a battering. Indeed, this news has made headlines throughout the world; the word “crisis” garnering an unprecedented amount of attention. While historians may look back upon these times and cite the global financial meltdown as perhaps the most newsworthy story, the truth of the matter is that most businesses face a much more acute risk other than the overall financial outlook. A properly managed small to medium-sized...