function adjust_tips(){
	var sTips = '<ul>';
	if(CD>0) sTips +=  "<li>Get your customers to pay you as soon as possible</li>";  // CD - Collection Days
	if(CP>0) sTips +=  "<li>Ask customers to pay cash for their purchases. </li>";   // CP - Sales on Credit
	if(CD>0) sTips +=  "<li>Ask customers to pay a deposit on a large order.</li>";
	if(CD>0) sTips +=  "<li>Adopt aggressive collection policies. Invoice promptly. Follow up on overdue invoices immediately.</li>";
	if(CD>0) sTips +=  "<li>Shorten your average collection time.</li>";
	if(CD>0) sTips +=  "<li>Consider cash discounts for early payment of invoices.</li>";
	sTips +=  "<li>Reduce your overhead. Consider renting/leasing equipment. Subcontract certain work rather than employing someone to do it. </li>";
	if(CP>0) sTips +=  "<li>Increase cash sales and decrease credit sales by offering Merchant Services so customers can pay by credit card.</li>";
	if(CP>0) sTips +=  "<li>Offer discounts in exchange for prompt cash payments.</li>"; // POS - Profitability of sales
	if(POS>0) sTips +=  "<li>Consider increasing your prices.</li>";
	if(MIK>0) sTips +=  "<li>Reduce inventory levels by holding a sale.</li>"; // MIK - Months of Inventory Kept on Hand
	if(MIK>0) sTips +=  "<li>Ask a supplier to take back surplus or obsolete stock.</li>";
	if(PD>0) sTips +=  "<li>Negotiate better prices or extended credit.</li>";  // PD - Payment Days
	if(PD>0) sTips +=  "<li>Find an alternative supplier.</li>";
	if(PD>0) sTips +=  "<li>Make a part payment.</li>";
	if(PD>0) sTips +=  "<li>Pay by Business Visa.</li>";
	sTips+='</ul>';
	document.getElementById('tips').innerHTML = sTips;
	document.getElementById('tipsPDF').value = sTips;

	sOptions='<ul>';
	sOptions+='<li>Business Visa: A Business Visa helps you manage your cash flow by providing you with 30 days free financing. Further, reward points can be redeemed for cash or goods from participating vendors.  </li>';
	sOptions+='<li>Merchant Services: To help you collect money immediately, use Merchant Services to increase your cash sales. Merchant Services convert sales to cash much sooner than receivables and reduce the time and effort you spend on collections. </li>';
	sOptions+="<li>LOC: Appropriate if cash flow needs are short-term due to seasonal business fluctuations, to make emergency purchases or to narrow the gap between month's end payables and receivables.  </li>";
	sOptions+='<li>LOAN: Appropriate to finance equipment or real estate because it allows you to spread payments over the average life of the assets. Also appropriate in growth situations where inventory was sold on credit and now needs to be replenished for future sales. </li>';
	sOptions+='</ul>';
	document.getElementById('financialOptions').innerHTML = sOptions;
	document.getElementById('financialOptionsPDF').value = sOptions;

}