Thanks Cheryl who gave us the  link to the Educational Schedules of all the classes you can take to increase your credit knowledge.  The link is located on the Ask Me page down at the bottom. Make sure you check it out and again many thanks to Cheryl Hammond Education Director of CMA

Thanks Cheryl for your comments, I will be available to advertise your educational courses if you get me a web address for those classes I will add it to my website. I will of course help your industry group members, I know how it is to be a credit manager in an economy like this one.

Thanks goes to Wilma for her comments and encouragement and also to Jody Owens the manager of CMA in Northern California I will try to take her advice on a smiley picture.