Norman Cowie, CCE is the Director of Credit for Paramont EO. An author of ten books, he has written for the Chicago Tribune, Pop Syndicate, Cynic Magazine, Business Credit, Encyclopedia Britannica, and writes an award-winning business credit column, later published by the National Association of Credit Management as a full length book titled "The Illinois Mechanics Lien Statutes … and Other Construction Stuff." He was named Credit Executive of the Year by NACM in 2006. Visit Norm at www.normcowie.com