On Leadership and Facing a Massive Data Breach

Data Breach

Data breaches are becoming a serious threat to companies of all sizes. But many business leaders are underestimating the debilitating costs associated with a hack — and paying the price for this ignorance.

Data Breach on Someone’s Watch

Look at what happened to Neiman Marcus. Hackers stole the credit card data of 350,000 of the luxury retailer’s customers last year. The breach cost the company $4.1 million and counting in legal fees, investigations, customer communications, and credit monitoring subscriptions. Plus, it suffered a $68 million loss during the holiday quarter.

The company later learned that hackers set off system alarms 60,000 times — but it failed to see the warning signs amid the massive accumulation of data.

In the digital age, companies have to be wary of potential breaches. And leaders are the ones responsible for identifying the threats, taking action, and mitigating the costly consequences.

Underlying Implications of a Data Breach

Cleaning up a malicious breach in the U.S. can cost up to $246 per record. And the effects of an intrusion extend across an organization.

A company can lose revenue, as Neiman Marcus did, or face fines from regulatory agencies. In Massachusetts, for example, a company faces a fine of up to $5,000 for each compromised record. A hacked company can also lose trade secrets.

Breaches can impede financial transactions, causing data to become unavailable or unusable and disrupting business. Furthermore, a defaced website weakens a company’s integrity and credibility. If customers can’t access cloud services, check their accounts, or make purchases, companies could lose their trust as well.

Major Industries Hackers Are Pursuing

Not surprisingly, financial firms are attractive targets. A recent survey of 5,000 senior executives in 99 countries by PricewaterhouseCoopers found that 45 percent of financial services firms had been hacked. Only 17 percent of other types of firms had the same experience.

Health data is also high on hackers’ lists. While a stolen credit card or Social Security number is worth a dollar or less, a person’s medical information can yield hundreds of times more, according to the World Privacy Forum.

Hackers recently stole the personal information of 4.5 million patients of Community Health Systems’ 206 hospitals in 29 states. The government has tracked 944 health institution incidents, affecting about 30.1 million people, since 2009. A majority are tied to theft, followed by data loss, hacking, and unauthorized access accounts.

Very often, successful intrusions can be traced to sloppy management practices. The health information of 500 patients at Cedars-Sinai Medical Center in Los Angeles was compromised when an employee’s laptop was stolen from his home. The laptop didn’t have hospital-required encryption software.

Nearly every industry is at risk. Hackers stole personal financial information of about 25,000 employees of the Department of Homeland Security after a breach in a contractor’s system. But this widespread susceptibility to breaches doesn’t mean leaders should accept this fate.

A Leader’s Role in Protecting the Company

Digital security is not an IT problem — it’s a company problem. If a breach happens, the board won’t call the technology director; it will want to speak to the CEO. Here are a few ways leaders can actively prepare for and prevent breaches.

  1. Understand what you’ve got. Decision makers should have a full understanding of the data they are housing or interacting with that could present a valuable target for cybercriminals.
  1. Know the law. Examine any data security regulations governing your industry. If a breach occurs, which regulatory body should be notified?
  1. Make a plan. Administrators and employees should know their responsibilities ahead of time so they can react quickly if any suspicious activity is discovered on the network or within their internal systems. The plan should include timely public announcements.
  1. Ensure that your culture emphasizes security. Leaders should implement tangible security programs that employees are actively involved in. Everyone should be responsible for securing their information, not just the chief information security officer and members of the compliance and technology organizations.
  1. Invest in training. This is especially relevant for compliance and technology security staff. The methods malicious users utilize to attack organizations are constantly changing, and it’s critical that your employees keep their skills up-to-date.
  1. Run security assessments on your network. This allows an organization to potentially find security issues before a malicious user does. Prioritize external-facing systems during the scan to locate holes.
  1. Monitor compliance. Target was breached because an HVAC contractor was given remote access to its systems without requiring two-factor authentications. And when hackers stole the personal or credit card information of 100 million customers, it cost the company an estimated $148 million in losses in one quarter.

Data breaches can compromise a company’s reputation and financial stability. And as a leader, your name is associated with your company’s preparedness and response to a hack.

To lessen the burden or even bypass a potential cyber attack, you need to understand the extent of this threat, actively plan for it, and properly educate your employees. When you’ve prepared for the worst, you can protect the positive customer rapport you’ve worked so hard to build.

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——————–
Scott Byers

Scott Byers is the President and CEO of EDM Americas
EDM Americas a Global Company dedicated to Information Lifecycle Management
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Leaders: Do You Have What It Takes to Become a CEO?

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Infographic Coutesy of Brighton School of Business and Management Online Distance Learning Courses

Adaptive Intelligence: Your Organization’s Cultural Operating System

 

Chamelion

This planet came with a set of instructions, but we seem to have misplaced them. Civilization needs a new operating system.” ~Paul Hawken

Pressure Test

Here is a quick test to help you understand both emotional and analytical thinking.

What do you normally do when your computer has a glitch and that box pops up inviting you to “report the problem?

  • Do you hit the “yes” button and dutifully wait for the computer to do its analysis and send the message?
  • Or do you hit “no” knowing this issue will rear its ugly head again soon?

There’s complex emotional and analytic thinking behind this decision that is analogous to dealing with annoyances in our working lives.

For example, if you hit “no” you’re deciding that although annoying its a small distraction compared with the important task at hand. However, if you’ll need to follow the same procedure and get the same bug you’re more likely to hit “yes”. You might also consider this to be the software provider’s responsibility; “why should I do their job for them.

(Mind you if everyone hit “no” the consequence of this global “e-silence” is the bug never gets fixed…)

We have the same basic choices with our problems at work. Do we do something about them or put up with it stoically? If enough people fail to report the problem it festers creating an invisible block to personal and organisational effectiveness, competitiveness and eventually achievement.

Sharing Important Information

The power and impact of sharing information was described eloquently by Gen. Stanley McChrystal in his TED Talk. – The military case for sharing knowledge.

Sharing is power” ~Gen. Stanley McChrystal

All organisations have limited human, financial and physical resources and must prioritise. For a problem to get over their attention threshold and trigger a response, a certain number of “complaints” must be received.

Managers decide how urgent/big the problem is and determine a response. In other words every user has 100% responsibility over error reporting and the organisation has 100% responsibility for its response.

This is a classical trust-based dynamic relationship.

When it’s working really well, a cultural operating system grows stronger iteratively from the power its crowd feeding back.

A Cultural Operating System

Microsoft’s Windows OS and Apple’s Mac OS are akin to a command and control-based management system where the end-user/staff has modest input.

Whereas, Linux, the epitome of an iterative open source process, is similar to a flat organisational system.

How would an iterative cultural operating system based on the concept of Adaptive Intelligence underpin effectiveness and success?

In “The practice of Adaptive Leadership”, Heifetz, Grashow and Linsky describe Adaptive Leadership as, “an iterative process involving three key activities:

1) Observing events and patterns around you

2) Interpreting what you observe

3) Designing interventions based on 1 & 2.”

I have added some steps to include:

4) Observation of the effects of interventions

5) Flexing interventions to give optimal positive results (Fig. 1).

Fig.1. A dynamic adaptive positive feedback cycle

AI Fig 1

 

Adaptive Intelligence

Adaptive Intelligence (AQ) is the dynamic expression of our Analytical Intelligence (AQ), Emotional Intelligence (EQ) and Positive Intelligence (PQ = internal motivation).

The exact flavour of AQ we deploy needs to be flexed to fit any given changing situation we experience. Operating from imbalanced IQ, EQ or PQ creates inappropriate responses based on habit.

If you want to use more of your AQ become more authentically aware of yourself and others.

Organisations need to develop deeper and broader corporate self-awareness. As a first step you might invite everyone to hit the social equivalent of the “yes” button whenever they observe problems or they have potentially good idea. This virtuous process relies on everyone believing they have influence, will be heard and their input valued and acted on.

This resonates with our software analogy nicely (Figure 2.).

Fig. 2 Comparison of computing and organisational operating systems.

AI Fig 2

Enhanced AQ

Enhanced AQ is delivered by:

  • Raising individual and organisational awareness
  • Transparent communication
  • Authentic trust
  • Objective measurable action.

It is powered by curiosity and authentic feedback and founded on 100% personal responsibility.

Stifled AQ

Poorly functioning AQ-based cultural operating systems are recognised from symptoms including:

  • Poor recruitment
  • High staff turnover
  • Conflict
  • Absenteeism
  • Poor staff engagement
  • Missed opportunities/deadlines
  • Inability to create trends and compete effectively

Long lasting symptomatic improvement comes from paying persistent attention to your cultural operating system (AQ). You keep a healthy AQ system going by constant vigilance, bug fixes (e.g. removing stupid rules), cultural upgrades (e.g. wellbeing-based cultures) and inviting everyone to be more curious about their daily working lives (See – How To Use Your Daily Story As A Powerful Seminar For Achievement).

The essence of intelligence is skill in extracting meaning from everyday experience.” ~Unknown

Flexible Open System

An adaptive iterative cultural process equips leaders with high quality dynamic information as well as the authentic human perceptions which create exciting visions and sustain meaningful change.

Thoughts for today

  • How often do you look under the hood of your organisation’s cultural operating system?
  • Notice to what extent your organisation’s culture relies on its corporate hardware (hierarchy, IT, systems & policies) compared with software (culture & people).
  • How much attention and time do you devote to awareness raising efforts for you and your staff?
  • Do you have a flexible open system for all staff to report problems and ideas?
  • Do you have an adaptive iterative cycle (AIC)?
  • How might you incorporate staff feedback and ideas into your AIC drive to improvement?

Recommended reading

The practice of Adaptive Leadership”, Heifetz, Grashow and Linsky

 

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——————– 
Gary Coulton

Dr Gary R Coulton is CEO of Adaptive Intelligence Consulting Limited
He empowers leaders to release their Adaptive Intelligence
Email | LinkedIn | Twitter | Facebook | Blog | Web | Book

Image Sources: tommyland

Management vs Innovation: Take Your Pick

I cannot help fearing that men may reach a point where they look on every new theory as a danger, every innovation as a toilsome trouble, every social advance as a first step toward revolution, and that they may absolutely refuse to move at all. ~Alexis de Tocqueville

On Innovation

Let’s look at innovation. It’s uncertain, difficult to control, diverts staff from tasks and can be expensive and is the antithesis of what tends to drive managers. Don’t get me wrong I understand organisations can’t deliver on their existing commitments without strong and clear management.

However, experience shows us that without new ideas, products, or services companies soon become irrelevant as the market and society marches on.

Remaining Relevant

Consider for a moment if you will some of the big name companies who dominated the end of the 20th Century and are no longer with us. Innovation comes in many guises and although physical inventions tend to dominate our impression of what innovation consists some of the most important innovations are in the way we do things not just the products we make.

Whist you might be sleepwalking to perfecting your management system others are wide-awake innovating – check out The Idea Connection to see what is happening out there.

Even though every leader and every company knows they must keep moving forward and support innovation even the best can end up doing a poor job of supporting it. We blame “bad luck”, ”the R&D team wasn’t strong enough” or even “government intervention”.

Remaining In Control

However, we should look closer to home for addressable levers we can control directly. Often it’s the very managerial culture we have created which interferes with innovation the most. When management system are perfect companies enlarge but when they companies innovate they grow, adapt and thrive in a changing business environment. The effect is continued resilience and profitability in a volatile world..

“Most of what we call management consists of making it difficult for people to get their work done.” ~Peter Drucker

Essentially management is all about maintaining the status quo by enforcing budget control, time efficiency and certainty. They want immediate quantifiable results they can present to the board.

Not So SMART

This behaviour is encouraged by creating limited SMART objectives rewarded by incentives. When you throw into the mix the uncertainty of a creative process which needs time and money, managers start to sweat and find ways to prevent their reports from contributing; unless it’s in their spare time. Managers will say they believe in and want innovation, but their immediate concerns prevent them backing it up with concrete resources.

As shown by Johan Fuller and his University of Innsbruck team, a major inhibitor of innovation comes from a battle between motivational rewards and barriers arising from fear of exposure and a negative benefit-effort trade-off. The balance of this equilibrium flexes our intrinsic and extrinsic motivation to innovate or to play safe. Identifying which levers stimulate innovation and which stifle it are key to growth.

“I believe in innovation and that the way you get innovation is you fund research and you learn the basic facts.” ~Bill Gates

Effective Innovative Teams

Effective innovative teams draw their members from multiple disciplines and company sectors. When they join they take of their “management hats” and are invited to contribute based on their personal expertise, knowhow and networks. Why not create company “hacker spaces”  where playing to discover may create your next massive product or service? Even if it doesn’t the mutual trust generated will be worth the effort.

To successfully engage managers in the innovation process, concrete value-based objectives and clear yet flexible outcomes must be identified. Finite affordable resources must be allocated and an agreed time-frame adhered to. Most of all, you have to be seen to value the Innovation Team. It’s their effort which needs rewarding not just the wins. For every ten ideas maybe one makes money. It does not mean the effort invested in the other nine was wasted (see The Edison Principle).

“Business has only two functions – marketing and innovation.” ~Milan Kundera

As Dale Dougherty says in his TED talk, ”Makers are in control” I would add a rider that, “Users are under control.” Do you want your company to be in control or used?

Your Actions Today

  • Were you involved directly today in your organisation’s innovative process?
  • How much resource and time have you given the innovation team?
  • Did you overtly value and affirm effort as well as wins?
  • Talk to your managers and try to sense their attitude to innovation and the pressures placed on them to resist it.
  • Reflect on your personal relationship with risk and innovation.

Recommended reading

The Other Side of Innovation: Solving the Execution Challenge (Harvard Business Review) – Vijay Govindarajan & Chris Trimble

Gary Coulton is the author of the upcoming book “Your personal leadership book of days – avoid cookie cutter solutions by using your Adaptive Intelligence”. Get your free mini-version at HERE.

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Learn, Grow & Develop Other Leaders

——————– 
Gary Coulton

Dr Gary R Coulton is CEO of Adaptive Intelligence Consulting Limited
He empowers leaders to release their Adaptive Intelligence
Email | LinkedIn | Twitter | Facebook | Blog | Web | Book

Image Sources: TED.com

Hey Leaders: Lighten Up a Little

Walt Disney

One of my favorite Walt Disney quotes is, “That’s the real trouble with the world, too many people grow up.”

Now think about it a minute. You don’t need to “grow up,” in the common sense of the word, to be “professional” or a “leader,” It’s all about how you embrace yourself – your attitude – and how you present yourself. There’s nothing wrong with having some “kid” left in you. Having that bit of kid makes you more approachable – more likeable – easier to associate with.

The Right Balance

We all know the people who have changed as they’ve been promoted. They become more (too) serious and in the process lose touch with the people they supervise. They lose the kid in themselves – quite often on purpose.

When you lose that part of you it causes you to lose your:

  • flexibility
  • understanding
  • communication
  • ability to retain employee’s
  • ability to empathize.

It may also cause you to destroy your:

  • culture
  • ability to attract talent
  • current relationship’s.

What am I saying here? Act like a child? Not at all. Just keep an open mind. Continue with that ability to relate to your employees – on all levels. You did it as a peer so why lose it as a supervisor. Have some fun. Think about the best work experience you’ve ever had. I bet it had something to do with having fun.

Being An Encourager

A number of years ago I had a manager, a leader, (we’ll call him Bob) that was moving up quickly. Our team worked extremely well together and enjoyed it. We could joke around with Bob – not like a “buddy” – and we could all brainstorm to come up with any off-the-wall idea. In fact, it was encouraged. That’s a big key – no matter how goofy the idea, there may be something to it. You can’t cut ideas down. Bob always smiled, was energetic, and even poked a little fun at himself now and then. Bob’s position was putting him pretty high, but we were always on a first name basis.

But something, we don’t know what, happened in his life that drained the kid out of him. He became that serious “professional”, and it was all downhill from there. There was no more fun, no more lunches together, no more cohesiveness . . . and no more goofy ideas. People started transferring and Bob’s quick climb came to a screeching halt.

“People rarely succeed unless they have fun in what they are doing.” ~ Dale Carnegie

Organizations Who Have Fun

What’s one of the most common things that the most successful organizations have with each other? They have fun. People are allowed to hold on to that most precious part of their personal history.

Here are just a few examples:

  • Disney
  • Zappos
  • Flickr
  • Southwest Airlines
  • Cisco

If employees can say that they’re having fun at work, it also means that they’re not as uptight and communication will flourish because people are easier to approach.

Fun, But Serious

Now, they call it work for a reason. So I don’t mean wear a red nose, do magic tricks or a stand-up acts all day long. However, a sense of humor can go a very long way. It’s a great way to bond with people. It instantly lightens the mood and lifts morale.

The office is the office. There has to be some seriousness also. Some of us are in some very serious occupations. Just remember that no matter how serious the work is, it’s still being performed by human beings and we all need a little time to lighten the mood. As a leader, you have to be accessible and able to hear and sense when performance is needing a lift. Better yet is to not even wait that long.

Terminal Seriousness?

Do you know the general tone of your office or work environment?

Take this short quiz from Jody Urquhart to get an idea whether your staff is suffering from terminal seriousness.

Yes or No

Do you regularly catch people laughing or smiling at work?

YES or NO

When something funny happens do people stop and appreciate it?

YES or NO

Does your organization have fun activities at least monthly?

YES or NO

Do you have tools (fun giveaways, drawings) to invite employees to participate in having fun in your environment?

YES or NO

Are managers usually optimistic and smiling at work?

YES or NO

If you answer NO to two or more of these questions, your staff probably suffers from “terminal seriousness,” which is negatively affecting morale and productivity.

The Right Environment

If you need to create a turnaround in your culture, just remember, it’s not your job to MAKE work fun but rather it’s your job to create the conditions where fun and happiness can flourish.

Are your employees relaxed, or uptight? Do you see many smiles at work? Are you projecting a positive attitude? What can you do to create the opportunity for fun?

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——————–
Andy Uskavitch

Andy Uskavitch is Leadership Development and Customer Service Specialist
He develops and facilitates Leadership, Motivation & Teambuilding Seminars
Email | LinkedIn | Facebook | Twitter | Blog |  (727) 568-5433

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Spiritual Leaders Fight Against Intolerance

Intolerence

These days we cannot switch on the TV or web without having to confront intolerance. We see it internationally, nationally, and locally.

It even affects our relationships with family, friends, colleagues, and co-workers.

An Increasingly Intolerant World

We live in a world that is increasingly intolerant, one in which violence, untruthfulness, hate, mutual criticism abound, and people constantly and deliberately do hurtful things to others.

People’s approach to other is frequently one of:

  • Opposition
  • Confrontation
  • Rejection
  • Polarization
  • Widespread intolerance

People are paid lots of money to be intolerant, and they gather around them a large following of insecure people who delight to find their own intolerant attitudes supported by celebrities and leadership figures in politics or religion. These political, social, and religious “leaders” whip their followers into a frenzy over issues that are not central to their original vision, leading to catastrophes like ethnic cleansing, or even to the deliberate, destructive intention of labeling others to demean or destroy them.

People develop skills that foster intolerance, challenging people and especially leaders to be equally skilled in opposing it.

Ignorant and Uninterested

Intolerant OrganizationsIntolerant people are generally uninformed or ignorant, either by force of circumstances or by a deliberate closed mindedness—a desire not to learn what other people think or feel. Their deafness to others’ views and their unwillingness to search for common ground give rise to hatred for anyone who thinks differently than themselves.

Closed mindedness atrophies thought, but since knowledge is the basis of love it also stunts any ability to grow in understanding and love. Closed mindedness is not a normal characteristic of human beings who innately search for meaning, understanding, and enlightenment.

But, people are trained and initiated into closed mindedness generally by social, political, educational, or religious figures.

Some local groups or entire nations are known for their open-mindedness, and others for their closed mindedness. However, intolerant behavior is now a serious cultural problem that demands the attention of spiritual leaders who should model and teach tolerance

Rejecting a Bigger Picture

Most people do not think they are intolerant. Rather, they have false justification for their behavior. Many think they are being principled, consider their views the only acceptable ones, and see any attempt to understand others as weakness. Our society is riddled with extreme fundamentalism in politics, choice of political parties, judicial practice, approaches to foreign policy, and all sorts of issues in religion.

Litmus tests are everywhere, and any divergence from the acceptable, myopic views is rejected, and those who hold different views are despised.

Some of the most complicated contemporary issues receive simplistic answers from people who will not or cannot think things through. Such people often act like bulldozers, flattening all other ideas in their path.

Rejecting Intolerant Behavior

People who seek spiritual depth in their leadership need to reject all forms of intolerant behavior. This will mean first and foremost accepting the need to constantly learn anew, to appreciate that some change and adaptability guarantees the genuineness of values we hold. Never to change means always to live in the past.

We must have exceptional listening skills to understand others’ words, their deeper yearnings, their struggles, and their hopes.

We will need to be people of genuine dialogue, even with others who lack such skills. We can read and study with the desire to be more informed. From time to time we should rethink our own views, either to conclude in reaffirming them or to change them when we notice a loss of focus.

So many drag along behind them ideas from the past, emphasize what dedication used to be two thousand years ago. Intolerant behavior that closes the door on new ways of thinking and doing leads to myopic approaches that quickly destroy society—civic and religious. Spiritual leaders must react to this and give birth to tolerant behavior in every aspect of an organization.

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——————–
Dr. Leonard Doohand

Dr. Leonard Doohan  is an Author and Workshop Presenter
He focuses on issues of spiritual leadership
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Leading a Healthy Life After Retirement

So you’ve finally made it to the promise land of retirement, woo hoo! You’re probably ready to relax the days away with an ice cold drink by the blue pool that even the deepest blue eyes would be jealous of.

But let’s just slow down a little bit, you still need your health to enjoy all the money you have saved, right?

Here are 3 ways to get healthy and active after retirement.

1. Make a Habit of Exercise – Don’t Break the Chain!

Habits are very powerful actions that can positively or negatively affect your life. When you perform an action enough times consistently, it becomes habit. If that action is beneficial, you’ve successfully added a habit that will improve your life. So how do you make a habit out of exercise? Simple! Create something you won’t want to break, a chain.

This method was Jerry Seinfeld’s secret to productivity. All you have to do is put a big calendar on your wall, refrigerator, or whatever part of the house you walk through often. On this calendar, make a “checkmark key.”

For example, a red checkmark means you completed your daily exercise. Now for every day you successfully complete that exercise, make a checkmark on that day. Soon enough, you’ll have a streak going, a chain, and you’re gonna do everything you can to keep from breaking that chain. Eventually, exercising will become habit.

If you are new to exercising, ease yourself into it by doing light work. Some examples would be walking, jogging, or swimming in the pool.

2. Find Fun Activities that Keep You Active

There’s no better way to stay active than to combine fun with it. Regularly participating in a fun activity will keep you healthy, and you won’t even feel like you’re exercising. Some examples include golfing, playing sports with kids or grandkids, or going to dance classes with your significant other.

Not only will these activities improve your physical health, but they will improve your mental health as well. You’ve heard the saying “an idle mind is the devil’s workshop.” Well, it’s true! Since humans naturally tend to think about negative aspects of their life when they are idle, these fun activities will have your mind positively stimulated.

Sitting at home on the couch all day will cause you to look back on what you’ve accomplished and will make you face the fact that you are wasting your days away, which will bring about stress.

The last thing you pictured having during retirement was stress, so let’s keep it that way!

3. Quality Slumber Achieves a High Number

High number of course, means age, a longer life. As people age, the quality of their sleep tends to go down. Sleep is when all the magic happens in our bodies. Everything is shut down and the body’s sole purpose is to repair us and get us ready for the next day. Any wrench in this process is going to show when you wake up to start your day.

It can be very easy to sleep in after retirement with no more work commitments, but one of the best things you can do for your sleep is to maintain a consistent sleep schedule. Our bodies get used to a regular bedtime and wake up time. When you maintain a strict sleep cycle, your body knows exactly when to produce sleep and wake hormones, making for the best quality sleep.

If you are already having trouble sleeping, try maintaining a very strict sleep-wake schedule. If that doesn’t improve the quality of your sleep, it may be time to try some sleep aids following the recommendations of a doctor. But be careful, you’ll still want to regularly speak with your doctor as well as check online pharmacy reviews as time goes on.

It’s easy to overlook the power of sleep since you may be so accustomed to your current sleeping habits, but they can probably be improved. You spend about a third of your life in a bedroom sleeping those hours away, so why not make them really count?

Enjoy the Carefree Life You’ve Worked So Hard For!

Hopefully you have picked up some useful information and realized the importance of staying healthy and active after retirement. You deserve an enjoyable life for the hard work you’ve put in over these many years.

Here’s to a healthy, long, and happy retirement!

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Learn, Grow & Develop Other Leaders

———————
Robert Cordray

Robert Cordray is a freelance writer with over 20 years of business experience
He does the occasional business consult to help increase employee morale
Email | LinkedIn | Twitter | Web

Image Sources: cpapracticeadvisor.com

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