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Before you touch a new client's books, get these 12 things in hand. Missing even three of them and you're quoting blind. 1. Bank and credit card statements or online access, for every account. View-only access beats PDFs. You can pull whatever is missing instead of chasing the client for it. 2. Loan statements or access, balances plus interest vs principal breakdowns. No way to split payments correctly or confirm balances without them. 3. Payroll reports or online access. Quarterly 941s, the ann
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