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What is a Business Plan? A Layman’s Guide

Have you ever written down your business idea, goals and some methods of achieving those goals? Then you’ve written a business plan! Well, at least a very simplified version of it.

The concept of a business plan is really that simple. Starting a business seems to come with various daunting tasks, with the business plan being one of the major parts. But it doesn’t necessarily have to be so intimidating with a proper understanding of what a business plan is and why you’re writing one.

The core concepts of a business plan

The simplest way to understand and approach a business plan is to learn that it aims to do one thing: understand your business’s goals and the ways in which you intend to achieve those goals.

As a simple example, a business plan for a bakery can essentially be boiled down to the following major points:

Concept: A physical store that sells baked goods in Brunswick.

  • Goal: Become the biggest and most reputable bakery in Brunswick.

Plan: By selling large quantities of baked goods, delivering quality customer service, hiring and rewarding well-experienced bakers, and utilising digital and print marketing techniques.

This was already in your head and you didn’t think such common-sense statements could be considered part of a business plan. At the end of the day, though, this is precisely what business plans are meant to be about.

You may be asking, “If it’s really that simple, why are the example business plans I’ve seen so long and complicated? And why do I need help writing it?” This is like asking, “Why should I buy a bed when I can easily learn how to build one myself?”

The answer might depend on your attitude, personality and business. You might be lazy, you might feel intimidated, or just the thought of writing a detailed business document could make you feel nauseous. But after all, the biggest reason you invest your time and money into business plans is because you want the best quality plan that represents your business as accurately as possible, and to help you learn about your business along the way.

The characteristics of business plans

Before we get to the sections that are included in a business plan, let’s first understand the qualities of a good business plan.

Business plans are written for specific audiences.

The purpose of the business plan determines the audience of it, and together they determine the style, length and other details surrounding your business plan.

If you’re writing a business plan for your small business idea in order to keep your current thoughts and plans in a neat form, it is most likely going to be straight to the point. You could skip quite a large number of the sections in a standard business plan template and have a very basic, minimal version of it.

Business plans can also be written to be presented to potential investors who may be interested in funding your business, or to attract the right kinds of talent when seeking contractors and employees. They can also be used to seek partnership or other business opportunities. In these cases, your business plan is going to have as much detail as possible, to not only showcase your business in the most accurate light, but also to show its great growth potential.

Business plans are rational.

If done well, your business plan becomes your bible, diary schedule, and guide to success. A great business plan template prompts you to consider things you haven’t considered before, as you are writing it. Writing a business plan can then become a great way to think rationally about your ideas. For example, after writing down your goal of “becoming a household name in the IT industry in the next 2 years”, being prompted to write down your plans to get there might help you to see if your goal is realistically achievable.

Business plans are factual.

When writing a business plan, you are writing down facts about your business. Sure, goals aren’t facts; But the details of the plans to achieve the goals are an accurate representation of the state and health of your business. Especially when you are planning for a great future of your business and trying to attract the right business opportunities or growth opportunities, holding back on details such as financials can have a detrimental effect. You wouldn’t want to write a whole business plan based on a false budget now, would you?

Business plans are cautious.

Great business plans help you to plan out your business activities every step of the way and visualise the difficulties that may arise down the road. This could be a problem with budgeting or required marketing activities vs available funds, growth plans vs number of staff, or the possibility of your competitors catching up. Business plans help you to consider all these elements to put in some measures to shield your business from potential vulnerabilities.

Sections included in a business plan

business plan in layman terms

All business plans are different, depending on the purpose, audience and the structure of the business. However, most, if not all, business plans include the following essential components. This section of the article will go through each critical section of a business plan accompanied by a simple explanation.

Executive/Business Summary

The executive summary section outlines the most important aspects of your business and what’s included in the rest of your plan. For those seeking investors, the summary is a critical ‘first impression’ page that will either intrigue the potential investors to read further or switch off.

Business Overview/Description

This section provides information on the following components of your business:

  • Structure: sole trader, partnership, company, etc.
  • Background: the background of the owners or directors that benefit the business
  • Licenses and registrations: any official registrations in place that are required in running the business or optional
  • Location: information about the location and the premises of the business
  • Staff: how many staff you have, their position within the org chart and additional information about them that might be required (e.g. expected turnover rates)
  • Products/services: information about the products and services your business provides, what problem they solve and how. How your products differ from the competition and foreseeable development plans. The products and services section can be considered as its own chapter of the business plan.

The target market section of your business plan is about your current and potential customers . It details your market research findings – who your customers are, where they are, where they buy your products and services, what entices them to let your business solve a problem they’re having. It also outlines your marketing targets/goals and the strategies that are and will be implemented to meet those targets. This section also explains how you plan to maintain or improve your position against the competition.

Goals and Milestones

This section is all about the future of your business . What goals do you have? What targets do you want to achieve? How will you achieve them? And how will they be measured? It is about laying out the concrete milestones that you plan to achieve, accompanied by the key metrics that will be used to measure your achievement, actual dates, and responsible staff.

The Finance

The financial plan section of your business plans details how much your business is making, how you’re planning to fund your business activities in order to achieve the goals you’ve set, how much it costs to operate the business and put in growth activities, and the financial projections. The more detailed this section, the better it is for you to understand the financials of your business in detail and accurately represent its potential to investors. This is the section where you explain how much you need to get things started or to expand your business.

Example questions to answer in a business plan

Now that you understand the big picture points that a business plan should show and the sections that are included, let’s get back to the bakery example from the beginning of this article. What kind of questions would a business plan about a bakery answer? Bringing the above sections together, below are just some of the key information that this particular business plan will provide.

  • Who is this store owned by?
  • How is the business structured? Is it a company? Partnership?
  • What registrations and licenses do you have?
  • Do you have a website? If so, what is the website address?
  • What kind of baked goods are you selling?
  • Who is running the bakery and who are the staff?
  • How do you intend to hire experienced bakers?
  • How do you intend to keep them? Do you provide any training?
  • How much is a large quantity?
  • Do you have any money to buy the ingredients?
  • How much are your baked goods? Do you have pricing strategies?
  • Why should customers buy from you? What do they get out of it?
  • Do you have any secret recipes?
  • Who is most likely to buy from your bakery? Who are you selling to?
  • Do you know if bakeries are popular in Brunswick?
  • How do you intend on getting the required ingredients?
  • What will be your bakery’s opening hours?
  • Are there any other bakeries in the area?

A great business plan should answer all the above questions and more, and leave the reader with a very detailed and clear understanding of the business, its goals, plans and potential.

Now that you understand the core sections of the business plan, it’s time to test what you’ve learnt! Take the quiz below to see if you’ve gained an adequate understanding of business plans. When you’re ready, move onto the next articles in the ‘Business Plan Series’. Learn why you should write a business plan, who should write it, who will read it and how often you should review it.

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How Fast Should Your Company Really Grow?

  • Gary P. Pisano

business plan in layman terms

Growth—in revenues and profits—is the yardstick by which the competitive fitness and health of organizations is measured. Consistent profitable growth is thus a near universal goal for leaders—and an elusive one.

To achieve that goal, companies need a growth strategy that encompasses three related sets of decisions: how fast to grow, where to seek new sources of demand, and how to develop the financial, human, and organizational capabilities needed to grow. This article offers a framework for examining the critical interdependencies of those decisions in the context of a company’s overall business strategy, its capabilities and culture, and external market dynamics.

Why leaders should take a strategic perspective

Idea in Brief

The problem.

Sustained profitable growth is a nearly universal corporate goal, but it is an elusive one. Empirical research suggests that when inflation is taken into account, most companies barely grow at all.

While external factors play a role, most companies’ growth problems are self-inflicted: Too many firms approach growth in a highly reactive, opportunistic manner.

The Solution

To grow profitably over the long term, companies need a strategy that addresses three key decisions: how fast to grow (rate of growth); where to seek new sources of demand (direction of growth); and how to amass the resources needed to grow (method of growth).

Perhaps no issue attracts more senior leadership attention than growth does. And for good reason. Growth—in revenues and profits—is the yardstick by which we tend to measure the competitive fitness and health of companies and determine the quality and compensation of its management. Analysts, investors, and boards pepper CEOs about growth prospects to get insight into stock prices. Employees are attracted to faster-growing companies because they offer better opportunities for advancement, higher pay, and greater job security. Suppliers prefer faster-growing customers because working with them improves their own growth prospects. Given the choice, most companies and their stakeholders would choose faster growth over slower growth.

Five elements can move you beyond episodic success.

  • Gary P. Pisano is the Harry E. Figgie Jr. Professor of Business Administration at Harvard Business School and the author of Creative Construction: The DNA of Sustained Innovation (PublicAffairs, 2019).

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What Are Layman’s Terms? A Guide to Plain English

4-minute read

  • 26th October 2019

When people refer to expressing something in layman’s terms, they mean plain or simple language. But what exactly is a layman? And how can you simplify your writing to make it easier to read? In this post, we offer a few tips on how to express yourself in plain English.

What Is a Layman? And What Are Layman’s Terms?

The words “layman,” “laywoman,” and “layperson” were originally related to religion, referring to someone who belongs to a religious organization but who has no special training . For example:

Both clergy and laypeople have an important role in the Catholic Church.

More generally, though, these terms can now apply to any non-specialist in a particular field. So we could also say:

As a layman , Tim struggled to follow the dense legal language.

The phrase “layman’s terms,” then, refers to using language that could be understood by a layperson (i.e., plain English, free from jargon).

5 Tips to Help You Write in Plain English

But how do you write in layperson’s terms? We have a few guidelines.

1. Avoid Jargon and Explain Technical Terms

Jargon – language used by experts or insiders in a specific field of study or industry – is the enemy of plain English. As such, you should try to avoid jargon when writing for a lay audience, including:

  • Technical language (e.g., saying “cardialgia” instead of “heartburn”).
  • Slang terms specific to a profession (e.g., the medical slang “gomer” ).
  • Undefined acronyms that only specialists would recognize.

All the above rely on insider knowledge, so anyone not already in the know may find your writing difficult to follow if it’s full of jargon.

Instead, try to use everyday language wherever possible. And if you do need to use a technical term, make sure to define it clearly when you introduce it.

2. Use Short Sentences and Paragraphs

Short sentences are easier to follow than long ones. So, while varying sentence length is good, using short simple sentences where possible will help to improve readability. Tips for keeping your sentences short include:

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  • Using the active voice to keep your writing clear and direct.
  • Eliminating unnecessary modifiers, repetition and wordiness .
  • Breaking longer sentences down into two or more short sentences.

The same applies to paragraph length. Ideally, each paragraph should be around 100 to 200 words and focus on one key point. And while some variation is fine, keeping paragraphs concise will help you avoid intimidating blocks of uninterrupted text, making your work easier to read.

3. Get to the Main Point Quickly

People are busy. They skim read. So unless you can grab their attention as soon as possible, they may get bored and stop reading.

As such, in the first paragraph of your writing, state your main point as clearly and concisely as possible. In this blog post, for example, we could have begun by discussing religious laity. But since that isn’t our main interest, we make it clear that the post is about plain English from the start.

4. Don’t Dumb Down Unnecessarily!

Simplifying your language doesn’t mean dumbing down your ideas. And if your reader feels like you’re talking down to them, they may lose interest.

The key is to find a level that suits your audience. If you’re explaining a scientific theory to children, then you may have to simplify some ideas. But if you’re addressing college-level students, you can assume they are clever people even if they don’t know the technical language involved.

So, when writing something for a lay audience, ask yourself:

  • Does my target audience already know anything about my chosen topic?
  • What will readers need to know to understand my point?
  • How accustomed are my audience to grasping complicated ideas?

You can then tailor the complexity of your writing to suit your target readers.

5. Get Your Documents Proofread

Asking a non-specialist friend or colleague to read a draft of your writing is a great idea. They can give you a different perspective, including pointing out areas that may be hard to understand for a lay audience.

And for an expert opinion, you can even have your work proofread by a professional . Our editors, for instance, can provide feedback on writing in plain English as well as making sure your work is error free.

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Making economics fun: How a start-up CEO explains business in layman's terms

business plan in layman terms

As a content creator, Zou Luqin is undoubtedly successful. Across multiple video-sharing platforms, Zou has over 10 million followers who are eager to find clues in understanding the complicated world of business.

"I hope my videos can help people know more about the basic concepts and logic of economics, finance and business," said Zou, who is also known as Lindsay. "It would be great if my videos can be helpful when people make some decisions in their lives."

"For most people, knowing what the world is and why it is this way, is probably more beneficial than expecting what the world should be," she added.

From various regional economies of different countries to the latest big business news, Zou's videos cover business topics with in-depth analysis. Nearly all of her videos gets impressive viewership despite the fact that they are over 20 minutes long.

On Chinese video website Bilibili, for instance, her 100 plus videos have been viewed over 200 million times. The one on short-selling, her current most-watched video, has been viewed more than 6.6 million times. Zou was recognized as one of the platform's top 100 content creators in both 2022 and 2023, contributing her bit in the website's knowledge section.

"Her eyes glitter when she talks in the video. She must like economic topics very much. Every time I see a person explaining things this way, I am attracted," a viewer commented on the website.

business plan in layman terms

When asked why her videos are so popular online, Zou said comments below her videos usually highlight the feature of making obscure business knowledge easy to understand. For Zou, good videos are required to be both informative and interesting.

"First, you need to have an extensive and systemic understanding of how an economy works, which helps to clarify the logic behind knowledge, information and events," said Zou. "Then, you need to explain the hardcore knowledge in a way that grasps the audience's attention."

Story-telling has been one way of getting the audience hooked, but the hardcore knowledge that her viewers value most comes from many years of professional training.

Born in 1990, Zou grew up in the coastal city of Dalian, northeast China's Liaoning Province. Having majored in finance and math in college, Zou has acquired degrees from Peking University and Columbia University, both leading universities in the world. After graduation, she kick-started her career at JP Morgan as an analyst. The young woman has got a shining resume that many of her peers envy.

Three years later, she started her own company in the United States, aiming to build a platform that could assist overseas students in finding jobs. However, after the platform was launched, its market feedback was not as encouraging as Zou and her team expected.

"The biggest challenge of entrepreneurship is that no one tells you how to do it. You have to get out of your comfort zone, explore and try and make mistakes," said Zou. "I can ask advice from industry leaders, but I cannot copy their routes."

Zou Luqin at a forum on education organized by Tencent News in Beijing, China, November 30, 2023. /courtesy of Zou Luqin

Zou Luqin at a forum on education organized by Tencent News in Beijing, China, November 30, 2023. /courtesy of Zou Luqin

Stepping out her comfort zone, the young CEO redesigned the business model, shifting her platform's focus to providing career consulting services and courses. She also moved her office from New York to Beijing in 2021.

In order to attract potential clients, Zou created videos that provide practical know-how for young people who are just starting out in the workplace. To her surprise, these videos have been well-received.

The successful trial coincided with the boom of knowledge-sharing content on China's video platforms around 2020. At that time, Chinese netizens were gaining the habit of online learning using smart devices. Driven by the desire to acquire more skills and get more information, netizens welcomed videos that could offer fresh and professional perspectives of the world full of uncertainties.

Zou rarely mentions her own start-up in her videos. But her viewers all know Lindsay's Milk Tea Shop, a fictional company she uses to help the audience understand how a company works. So rather than a start-up CEO, more viewers know Zou as the energetic video creator who excels at explaining economic puzzles.

"The strong support from my team members and friends was also key in the process of climbing out of the bottom," Zou recalled.

At present, she is quite satisfied with her state of life, fulfilling her multiple roles as entrepreneur, content creator, wife and mother.

"Although I don't have much time to rest, both content creation and running a company are things that I like to do," said Zou. "Finding creative topics could be a headache, but my solution is to learn more and communicate more."

Zou observes that women working in the business or financial sector often take the initiative to challenge themselves and express themselves, and they usually have strong communication skills and are constantly inspired to improve themselves.

She also noted that knowing the boundaries of her own ability is key in keeping her positive and energetic.

"I will try my best to do things well within the scope of my ability. If it is completely beyond my power or does not conform to my values, I will not force myself," said Zou.

(Cover designed by Li Jingjie and video made by CGTN's Frontline)

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Home » How can you explain what an LLC is in layman’s terms?

How can you explain what an LLC is in layman’s terms?

How can you explain what an LLC is in layman's terms?

Welcome to “How can you explain what an LLC is in layman’s terms?”

An LLC is a limited liability company. This type of business entity offers its owners protection from personal liability for the debts and obligations of the company. An LLC can be formed by one or more individuals, partnerships, or corporations. The owners of an LLC are known as members.

Compared to other business entities, an LLC has a relatively simple structure and is easy to set up. LLCs also have fewer formalities and regulations than other types of businesses. For these reasons, an LLC is a popular choice for small businesses and startups.

When an LLC is formed, the members must file articles of organization with the state government. The articles of organization must include the name of the LLC, the names of the members, and the address of the LLC’s principal place of business. The LLC must also have a registered agent in each state in which it does business. A registered agent is a person or company that agrees to accept legal documents on behalf of the LLC.

An LLC can either be managed by its members or by a group of managers. In a member-managed LLC, all of the members have equal rights and responsibilities in running the company. In a manager-managed LLC, the members elect one or more managers to run the company on their behalf. Manager-managed LLCs are more common in larger businesses where the members do not want to be actively involved in day-to-day operations.

One advantage of an LLC over other business entities is that it offers flexibility in how profits and losses are allocated among the members. An LLC can choose to allocate profits and losses in any way that its members agree upon. This flexibility is not available with other types of businesses, such as partnerships and corporations.

Another advantage of an LLC is that it offers protection from personal liability for the debts and obligations of the company. This means that if the LLC cannot pay its debts, creditors cannot go after the personal assets of the members to satisfy those debts. This protection is not absolute, however, and members can still be held liable for their own negligence or misconduct.

Overall, an LLC is a popular choice for small businesses and startups because it offers simplicity, flexibility, and personal liability protection.

Hope you enjoyed reading this “How can you explain what an LLC is in layman’s terms?” post

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Intuitive Machines stock has more than tripled. How Wall Street reads the moon-fueled rally

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  • In a little over a month since hitting all-time lows, and as its IM-1 mission made its way to the lunar surface, shares of Intuitive Machines climbed more than 300% since early January.
  • It's a rally that Wall Street analysts describe as fueled by retail investors' excitement for the space company's progress toward an unprecedented goal.

"We've never witnessed a publicly traded company go through [a moon landing attempt]. So this is new, not just for investors, but for us analysts as well," Cantor Fitzgerald's Andres Sheppard told CNBC.

In this article

Much like Intuitive Machines' spacecraft, its stock has been flying to the moon the past week.

In a little over a month since hitting all-time lows, and as its IM-1 mission made its way to the lunar surface , shares of Intuitive Machines have more than tripled since early January. It's a rally that Wall Street analysts describe as fueled by retail investors' excitement for the space company's progress toward an unprecedented goal.

The Texas-based lunar company's stock, with the apt ticker of "LUNR," now trades for about $8 per share as of Thursday's close, a far cry from January lows of closer to $2. At one point this week, as IM-1 progressed through milestones ahead of its landing attempt — the stock reached over $13 in trading.

In the moments after the lander, named "Odysseus" after the figure in Greek mythology, successfully touched down on the moon's surface , the stock surged once again.

Sheppard compared Intuitive Machine's landing to a biotech company waiting on a FDA approval for a new drug: "It's a bit of a binary outcome," Sheppard said.

While Sheppard expected Intuitive's stock price to climb after a successful landing, potentially as high as $15 a share, he cautioned "that valuation is certainly ahead of the company's financials" — as "people are getting caught up" in the excitement and history of IM-1 landing on the moon, he said.

Intuitive went public via a SPAC merger less than a year ago, and has spent most of that time trading below its debut pricing. Only a handful of Wall Street analysts cover the $1 billion space company. Of the firms listed by FactSet as covering Intuitive Machines, all four analysts have buy equivalent ratings on the stock – and all four have seen the stock blow past their pre-launch price targets.

Sign up here to receive weekly editions of CNBC's Investing in Space newsletter .

Beyond the technological and financial progress IM-1 represents for Intuitive Machines, analysts pointed to the enthusiasm for the first U.S. landing on the moon in over 50 years, as well as the first by a corporate entity, rather than a government agency.

"We get to see how these applications in space can capture the imagination and vision of investors … hopefully it is successful, as I think that will do a lot for the space industry as a whole," Benchmark analyst Josh Sullivan told CNBC prior to the lunar landing.

Along with Canaccord Genuity analyst Austin Moeller, Sullivan and Sheppard were unanimous in their reads that retail, not institutional, investors are driving the current Intuitive Machines' rally. Sheppard said his firm estimates about 80% of trading over the past week was done by retail traders.

"There's huge momentum being driven by the retail community behind this," Sheppard said.

Sullivan also cited the global news coverage of Intuitive's mission as another driver, giving the company a wider exposure.

"The successful milestones are adding up to a point where [a moon company] is becoming a commercial reality, and I think that's starting to catch on," Sullivan said.

Passing milestones

IM-1 made steady progress through the 16 milestones the company outlined before the launch. Yet Intuitive is not just clearing the technological hurdles that come with a first spaceflight, but also checking boxes to get paid by its biggest customer.

The mission is under an $118 million contract with NASA, with necessary milestones for payment. But, as Sullivan noted, IM-1 represents more than just getting paid for an existing contract.

"It is really about proving a track record of success in the very harsh environment of space, so that in the future when they're going to NASA … the likelihood of them winning those very large contracts increases pretty substantially," Sullivan said.

A key element of NASA's Commercial Lunar Payload Services (CLPS) program is the competitive nature between companies bidding to deliver cargo on future moon missions. One of Intuitive Machines' competitors, Astrobotic, had a crippling problem during its inaugural moon mission last month that kept the company from attempting a landing.

Both companies, as well as others, have already won NASA contracts for additional missions. Analysts see Intuitive's progress thus far as a key differentiator in future bids.

Here's why the U.S., China, India, Japan and others are rushing back to the moon

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Things are going badly for Ukraine — really badly

  • Ukraine is experiencing serious problems in fighting Russia's invasion.
  • It's running low on troops and ammo, and top commanders are squabbling.
  • However, Ukraine is hoping to boost its domestic weapons production.

Insider Today

As the second anniversary of Russia's unprovoked invasion approaches, the situation is beginning to look bleak for Ukraine.

Last year's counteroffensive brought hopes that Ukraine could capitalize on its successes in 2022 and drive back Russian forces from occupied territories in southern and eastern Ukraine.

But the offensive failed to achieve a breakthrough , and Ukraine is now seeing crucial support from its allies bleed away. Meanwhile, its troops are experiencing shortages of personnel and ammunition.

There are problems at the top, too. Its senior command has been engulfed in chaos, with Ukrainian President Volodymyr Zelenskyy replacing Valery Zaluzhny , a senior commander, amid reported disagreements over strategy.

'It's just relentless pressure'

At the heart of Ukraine's problems is diminishing international aid. Ukraine has previously said it may not be able to successfully defend itself against Russia without US help.

The Senate on Tuesday passed a $95 billion emergency defense-aid bill that could help Ukraine . But the bill must go to the House of Representatives, where Republicans are expected to seek to block it.

In the meantime, Ukrainian troops are having to restrict their ammunition use, and in some parts of the front line, they're being outgunned three to one, Bloomberg reported recently .

US-supplied guns such as the howitzer are falling silent near Bakhmut — a city that has been the site of months of brutal combat — because of shell shortages, CNN reported .

Personnel problems are also growing. Among the core disagreements between Zelenskyy and Zaluzhny was recruitment, with the former military chief saying Ukraine needed to massively boost the number of people being drafted into the military, while the president was concerned about the impact on already fragile national morale.

But the replacement of Zaluzhny "will be deeply unpopular across the Ukrainian military," Ryan Evans, the publisher of War on the Rocks , said on the site's eponymous podcast.

"I'm not sure how appointing someone new fixes any of these big questions on mobilization and what the Ukrainian strategy should be," he added.

A battalion commander in eastern Ukraine recently told The Washington Post that his unit, which was deployed in the trenches to hold off Russian attacks, was 40 strong when it should be 200 strong. The report said new recruits were often inexperienced and undertrained.

These challenges are creating serious consequences on the front line. According to reports, Ukraine is struggling to fight off Russian attacks, particularly around the city of Avdiivka in Donetsk region of eastern Ukraine. The city's mayor last week highlighted Russia's intensifying attacks , saying they were "pressing from all directions."

"It's just relentless pressure," Patrick Bury, a military analyst at the UK's University of Bath, told Business Insider.

Michael Kofman, an analyst at the nonprofit CNA, recently told the "War on the Rocks" podcast there's a "good chance" that Ukraine would lose the city.

The long-term plan

Russia is also suffering huge casualties and, Bury said, still hasn't mastered effective combined arms maneuvers. Ubiquitous drone surveillance is hampering any ability to amass enough tanks to break through, he added.

The difference is that Russia, with its larger economy and population, is positioning itself to bear the losses for the long haul. It has placed its economy on a war footing, massively increasing its production of weapons and ammunition and receiving Shahed attack drones from Iran and ballistic missiles and ammunition from North Korea.

It has replenished its troop numbers partly by offering recruits relatively large pay packets and partly through military drafts.

Ukraine, meanwhile, is struggling to produce enough ammunition and equipment to meet the needs of its military to make up for the shortfall from the US, and its European allies missed their target of producing 1 million shells for its military by January.

One response has been to ramp up domestic defense production, particularly with drones. "This is the way out," Zelenskyy told The Associated Press in December .

Deputy Prime Minister Mykhailo Fedorov told Reuters that in 2024, Ukraine would produce thousands of long-range drones capable of striking deep within Russia.

So far, Ukraine's use of drone strikes in Russia has been "more of a harassment than a real cost to the Russians," Bury told BI, adding: "But it does show you what they can do if they've developed their own drones, which have longer flight times and a higher payload."

Military research and development is booming, and several European companies have announced joint ventures in Ukraine, Al Jazeera reported .

But this all may be cold comfort for a front line that's inevitably outnumbered, making — in the face of stalled US support — what one unnamed defense official called "a very grim scenario," the Financial Times reported .

A senior NATO diplomat told the paper: "It is a desperate situation on the front lines for the Ukrainians, far worse than they are letting on."

A bright spot in the Black Sea

While it struggles on land, Ukraine's ability to subdue Russia in the Black Sea is an area of ongoing success. About 20% of Russia's Black Sea Fleet has been destroyed , the UK's defense minister, Grant Shapps, said in December.

That's no mean achievement for a country without a functioning navy of its own.

Not every vessel struck by Ukraine would have had a meaningful impact on the ground war, but the actions still come with benefits. Firstly, Ukrainian ports have been able to continue shipping grain — not back up to prewar levels but enough to provide a vital economic boost.

Secondly — and particularly after strikes on the Black Sea Fleet headquarters at Sevastopol last year — Crimea itself is becoming "increasingly vulnerable," Basil Germond, a maritime-security expert at the UK's Lancaster University, told BI.

"It's a political blow to Putin because this contradicts its narrative of Crimea being a 'normal' part of the Russian state," he said.

This matters: Control over the peninsula is a cornerstone of Putin's conception of Russia.

Is this a solution to Ukraine's ground offensive? "No, it isn't," Kofman told the "War on the Rocks" podcast. "But it's a very big bright spot in the story for last year, which otherwise has sort of been a year of missed opportunities."

Putin is 'sitting pretty'

There remains hope that US aid will begin to flow again, despite the opposition from former President Donald Trump and some Republicans.

But Putin has gotten a morale boost from the former Fox News host Tucker Carlson, who in a recent interview gave the Russian leader free rein to spread propaganda about Russia's invasion at a moment seemingly perfectly timed to exact huge damage on US support for Ukraine .

With the prospect of another Trump presidency next year, Putin is "sitting pretty," Bury told BI. The chance of the US shutting off Ukraine aid altogether offers "a path to victory for Putin now where there wasn't for a good while," he said.

"But it always comes back to this: What do we want to do?" he added. "Do we want to see a democracy crushed by an autocracy? Where does the West draw the line here?"

business plan in layman terms

Watch: What's next for the war in Ukraine?

business plan in layman terms

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business plan in layman terms

Create a form in Word that users can complete or print

In Word, you can create a form that others can fill out and save or print.  To do this, you will start with baseline content in a document, potentially via a form template.  Then you can add content controls for elements such as check boxes, text boxes, date pickers, and drop-down lists. Optionally, these content controls can be linked to database information.  Following are the recommended action steps in sequence.  

Show the Developer tab

In Word, be sure you have the Developer tab displayed in the ribbon.  (See how here:  Show the developer tab .)

Open a template or a blank document on which to base the form

You can start with a template or just start from scratch with a blank document.

Start with a form template

Go to File > New .

In the  Search for online templates  field, type  Forms or the kind of form you want. Then press Enter .

In the displayed results, right-click any item, then select  Create. 

Start with a blank document 

Select Blank document .

Add content to the form

Go to the  Developer  tab Controls section where you can choose controls to add to your document or form. Hover over any icon therein to see what control type it represents. The various control types are described below. You can set properties on a control once it has been inserted.

To delete a content control, right-click it, then select Remove content control  in the pop-up menu. 

Note:  You can print a form that was created via content controls. However, the boxes around the content controls will not print.

Insert a text control

The rich text content control enables users to format text (e.g., bold, italic) and type multiple paragraphs. To limit these capabilities, use the plain text content control . 

Click or tap where you want to insert the control.

Rich text control button

To learn about setting specific properties on these controls, see Set or change properties for content controls .

Insert a picture control

A picture control is most often used for templates, but you can also add a picture control to a form.

Picture control button

Insert a building block control

Use a building block control  when you want users to choose a specific block of text. These are helpful when you need to add different boilerplate text depending on the document's specific purpose. You can create rich text content controls for each version of the boilerplate text, and then use a building block control as the container for the rich text content controls.

building block gallery control

Select Developer and content controls for the building block.

Developer tab showing content controls

Insert a combo box or a drop-down list

In a combo box, users can select from a list of choices that you provide or they can type in their own information. In a drop-down list, users can only select from the list of choices.

combo box button

Select the content control, and then select Properties .

To create a list of choices, select Add under Drop-Down List Properties .

Type a choice in Display Name , such as Yes , No , or Maybe .

Repeat this step until all of the choices are in the drop-down list.

Fill in any other properties that you want.

Note:  If you select the Contents cannot be edited check box, users won’t be able to click a choice.

Insert a date picker

Click or tap where you want to insert the date picker control.

Date picker button

Insert a check box

Click or tap where you want to insert the check box control.

Check box button

Use the legacy form controls

Legacy form controls are for compatibility with older versions of Word and consist of legacy form and Active X controls.

Click or tap where you want to insert a legacy control.

Legacy control button

Select the Legacy Form control or Active X Control that you want to include.

Set or change properties for content controls

Each content control has properties that you can set or change. For example, the Date Picker control offers options for the format you want to use to display the date.

Select the content control that you want to change.

Go to Developer > Properties .

Controls Properties  button

Change the properties that you want.

Add protection to a form

If you want to limit how much others can edit or format a form, use the Restrict Editing command:

Open the form that you want to lock or protect.

Select Developer > Restrict Editing .

Restrict editing button

After selecting restrictions, select Yes, Start Enforcing Protection .

Restrict editing panel

Advanced Tip:

If you want to protect only parts of the document, separate the document into sections and only protect the sections you want.

To do this, choose Select Sections in the Restrict Editing panel. For more info on sections, see Insert a section break .

Sections selector on Resrict sections panel

If the developer tab isn't displayed in the ribbon, see Show the Developer tab .

Open a template or use a blank document

To create a form in Word that others can fill out, start with a template or document and add content controls. Content controls include things like check boxes, text boxes, and drop-down lists. If you’re familiar with databases, these content controls can even be linked to data.

Go to File > New from Template .

New from template option

In Search, type form .

Double-click the template you want to use.

Select File > Save As , and pick a location to save the form.

In Save As , type a file name and then select Save .

Start with a blank document

Go to File > New Document .

New document option

Go to File > Save As .

Go to Developer , and then choose the controls that you want to add to the document or form. To remove a content control, select the control and press Delete. You can set Options on controls once inserted. From Options, you can add entry and exit macros to run when users interact with the controls, as well as list items for combo boxes, .

Adding content controls to your form

In the document, click or tap where you want to add a content control.

On Developer , select Text Box , Check Box , or Combo Box .

Developer tab with content controls

To set specific properties for the control, select Options , and set .

Repeat steps 1 through 3 for each control that you want to add.

Set options

Options let you set common settings, as well as control specific settings. Select a control and then select Options to set up or make changes.

Set common properties.

Select Macro to Run on lets you choose a recorded or custom macro to run on Entry or Exit from the field.

Bookmark Set a unique name or bookmark for each control.

Calculate on exit This forces Word to run or refresh any calculations, such as total price when the user exits the field.

Add Help Text Give hints or instructions for each field.

OK Saves settings and exits the panel.

Cancel Forgets changes and exits the panel.

Set specific properties for a Text box

Type Select form Regular text, Number, Date, Current Date, Current Time, or Calculation.

Default text sets optional instructional text that's displayed in the text box before the user types in the field. Set Text box enabled to allow the user to enter text into the field.

Maximum length sets the length of text that a user can enter. The default is Unlimited .

Text format can set whether text automatically formats to Uppercase , Lowercase , First capital, or Title case .

Text box enabled Lets the user enter text into a field. If there is default text, user text replaces it.

Set specific properties for a Check box .

Default Value Choose between Not checked or checked as default.

Checkbox size Set a size Exactly or Auto to change size as needed.

Check box enabled Lets the user check or clear the text box.

Set specific properties for a Combo box

Drop-down item Type in strings for the list box items. Press + or Enter to add an item to the list.

Items in drop-down list Shows your current list. Select an item and use the up or down arrows to change the order, Press - to remove a selected item.

Drop-down enabled Lets the user open the combo box and make selections.

Protect the form

Go to Developer > Protect Form .

Protect form button on the Developer tab

Note:  To unprotect the form and continue editing, select Protect Form again.

Save and close the form.

Test the form (optional)

If you want, you can test the form before you distribute it.

Protect the form.

Reopen the form, fill it out as the user would, and then save a copy.

Creating fillable forms isn’t available in Word for the web.

You can create the form with the desktop version of Word with the instructions in Create a fillable form .

When you save the document and reopen it in Word for the web, you’ll see the changes you made.

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