【答案解析】The current business environment is in turmoil，so there are several urgent issues for US to consider in terms of money management．We should first of all，streamline our processes for less waste and greater efficiency．The starting points can be storage costs and public relations expenses． It will also be helpful to reevaluate our creditors and debtors．We should be aware that as a small business，the bank is not our only source of credit．We have credit lines with vendors，who，even though facing the same problems as ourselves，are afraid of losing an excellent customer．What we can do now is sit down with our creditors and discuss our business future and payment terms together． In addition，we have our debtors to resort to．It is time that we reconsider our cooperation with those customers who have consistently defaulted on payment，because things are unlikely to get better for them any time soon．At the same time．we should strengthen our relationship with clients in credit with us。Ultimately we need to decide what's best for our business． Finally，it is important that we put some money into a‘doomsday account’，which will keep our head above the troubled waters when the really hard storms blow．If possible，about 5 percent of our revenue should be set aside per month for this purpose．