FREE STUFF

-- Learn how to prepare for disaster with Insuring Your Business Against a Catastrophe. Call the Insurance Information Institute (800 433-0307) for a copy of the nine-page brochure.

-- Seeking financing for the first time? The Federal Reserve Bank of New York has published a guide that's useful for entrepreneurs in any state. To request a copy of The Credit Process: A Guide for Small Business Owners, call 212 720-6134.

EDITED BY AMEY STONE