Michele Cozzens

There are certain people from our pasts who stand out more than others. Favorite teachers, for example, or the neighborhood bully who beat you up in the playground because he didn’t like it that you found him during a game of hide and seek. You remember the kid who told you to go home and […]

I run a seasonal business. It’s a resort in the Northwoods of Wisconsin and 65% of our sales come from cabin rentals. Most of our guests pay by credit card—everyone wants frequent flyer miles these days—but some pay cash and some pay by check. In thirteen years of running this business I can count the