One minor comment: different markets/regions are _different_. For example, whether or not customers pay on time can depend a lot on the region (and decade!). N

One minor comment: different markets/regions are _different_. For example, whether or not customers pay on time can depend a lot on the region (and decade!). Not to mention that there's also a big difference between small and large companies, as well as different industries (manufacturing vs restaurants vs banks, etc.)