var sInfo = new Array();

sInfo["General info"] = 
"You may change the parameters of your model by altering the values in the texboxes and by using the slider tools: the corresponding value is changed either by clicking the orange or white areas, or by dragging the gray cursor. <br/> After you adjust your model and analyze the results you may generate a pdf report for printing by clicking the link at the end of the page.";

sInfo["Starting Cash"] = 
"The more cash you put into your business, the lower your need for business financing.";

sInfo["First month sales"] = "The amount of sales estimated for the first month.";

sInfo["Cost of Goods Sold"] = 
"The total cost of purchasing or producing the goods sold, as a percentage of the total amount of sells";

sInfo["Monthly Sales Growth"] = 
"Intuitively, greater sales should increase cash flow. Businesses that grow aggressively, however, often deplete their cash reserves to support the growth and therefore, require more financing. A large portion of their sales are made on credit, thereby increasing their receivables, not their cash. Further, inventory is depleted and needs to be replaced for future sales.";

sInfo["Sales on Credit"] = 
"Cash sales are the best for cash flow because you receive payment immediately. Greater sales on credit has a negative effect on cash flow, and therefore, greater need for business financing.";

sInfo["Collection Days"] = 
"The longer your terms of credit, the greater the need for outside financing. Your goal is to reduce your terms of credit in order to reduce your financing needs.";

sInfo["Personnel Costs"] =  "Costs with the personnel by month.";
sInfo["Fixed Costs"] =  "Fixed costs by month.";
sInfo["Other Costs"] =  "Other monthly costs for running the bussines.";


sInfo["Profitability"] = 
"While greater profits have a positive effect on cash flow, cash flow does not equal profitability. Many profitable businesses experience negative cash flow initially due to the cash inflow and outflow gap (replenishing inventory for future sales and collecting on past sales). If sales growth is greater than profitability, cash flow will be negatively effected and more so over time. If profitability is higher than sales growth, cash flow will peak and then start decreasing over time.";

sInfo["Initial Inventory Balance"] = 
"The more inventory you require, the greater your need for financing. Service industries do not have inventory.";

sInfo["Months of Inventory Kept on Hand"] = 
"Your goal is to turn over inventory as fast as possible. Excess inventory on hand, ties up cash and creates greater financing needs. The greater your inventory, the greater your Starting Cash requirement is.";

sInfo["Starting Receivables"] = 
"If you have a new business, you most likely have zero receivables.";

sInfo["Starting Payables"] = 
"Applies to businesses that are already in operation.";

sInfo["Payment Days"] = "The longer your payment days, the better it is for your cash flow. Your goal is to bring cash into the company as quickly as possible, then hold onto your cash as long as possible.";