SCORE, locally, is manned by 34 Chapter member volunteers, who are retired and currently employed professional business personnel, providing: 1) Business counseling to start-up and existing businesses on a no-cost and confidential basis; 2)A low-cost, all-day Business Operations Workshop, on a monthly basis, for those interested in starting a business, but who don't have a business background (this workshop uses volunteer working professionals from the community in the fields of Accounting, Insurance, Advertising, Banking and the Legal Profession, covering subjects, such as business plans, marketing, tax considerations, insurance, funding sources, business structures, record keeping and SBA Programs); Specialty Seminars on low-cost basis, e.g. Quick Books Accounting, Human Resources (hiring, managing and firing personnel), and Marketing. In addition, on-line counseling is available on a nation-wide basis accessing the expertise of the entire breath of national SCORE volunteers' knowledge and capability.