Image

TOP 15 STARTUP QUESTIONS

Image

1. What kind of person makes a successful entrepreneur?

Research of successful entrepreneurs has documented that successful small business people have certain common characteristics. This checklist can not predict success, but it can give you an idea of whether you will have a head start or a handicap with which to work. How do you measure up? Ask yourself these questions:

  • Can I persevere through tough times?
  • Do I have a strong desire to be my own boss?
  • Do the judgments I make in life regularly turn out well?
  • Do I have an ability to conceptualize the whole of a business?
  • Do I possess the high level of energy, sustainable over long hours, to make a business successful?
  • Do I have significant specialized business experience?

While not every successful business owner starts with a “yes” answer to all these questions, three or four “no’s” and undecided answers should make you think twice about going it alone right now. But, don’t be discouraged. Seek extra training and support with help from a skilled team of business advisors such as accountants, bankers, attorneys and SCORE counselors.

2. How do I determine whether I am capable of starting a business?

Small business owners have many things in common. Below are some of the qualities you will need to be successful.

  • Willingness to sacrifice—If you enjoy working 9-5, do not go into business for yourself. Entrepreneurship often requires many more hours beyond the forty-hour work week.
  • Interpersonal skills—You will be required to interact with a host of people other than customers: lawyers, employees, salespeople. If you do not like talking to people you do not know, better keep your day job.
  • Leadership ability—You will be the one everyone turns to for the answers. Are you ready to call the shots?
  • Optimism—Being able to hang in there when business gets tough is an important quality in small business owners.

Compare your skills and expertise with others who are successful in similar businesses. Can you duplicate and surpass the capability of other successful businesses? What unique skills, or “edge,” can you provide to obtain a sufficient share of total market?

Review business journals, trade magazines and other comparative studies that identify the requirements to operate the business. From that information, derive a formula for the skills and traits you plan to incorporate into the business operation.

3. Why is a business plan important and who should write it?

A business plan is important because it summarizes both your vision for the company and your blueprint for the company’s operating success. The business plan is a written guide that details the start-up and the future direction of your company.Who should write the plan? You, the entrepreneur. No one else knows your business idea and goals better. Yes, there are services that can do the work for you. However, you must present this business idea to bankers or other investors. Therefore, it is best if you are very familiar and comfortable with the plan.Although there’s no set format, a good business plan typically includes:

  • Cover page—Identifies your business
  • Table of contents—Organizes information for the reader
  • Executive summary—Provides a “big picture” view of the plan, highlighting the factors that will lead to success
  • Business background—If it is a brand-new business, include your background and skills
  • Marketing plan—Relates the business’s marketing strategy
  • Action plan—Summarizes how you will create and deliver your product or service
  • Financial statements and projections—Illustrates how the business will perform financially based on the plan’s assumptions
  • Appendix—Includes statistical analyses, marketing materials, résumés.

4. If I am not planning to apply for a bank loan, why do I need a business plan?

The fact that a bank or lending institution requires a well-executed business plan is a secondary consideration. The primary purpose of the business plan is to guide the owner or manager in successfully operating the business. Preparing the plan forces the writer to consider all aspects of the business and to confront any problems the plan highlights.For example, a monthly compilation of all known costs, over time, will indicate the revenue necessary to support these costs, plus a profit. This leads to the question of whether or not this revenue number is reasonable. If not, it may cast doubt on the viability of the venture itself.The business plan is a vital management tool that enables the manager to anticipate situations before they become problems-or worse yet emergencies.

5. How do I determine my start-up costs and other expenses?

It is wise to find out what start-up costs you will incur before starting the business. Many a budding entrepreneur takes his or her life savings, or will borrow on the equity on their home before figuring these financial factors, only to find that they don’t have enough money. There are many web sites and other resources (including SCORE offices and Business Information Centers) that provide guidelines and worksheets to help determine costs for your business.Each item on your proposed budget sheet should be researched. Closely estimated costs can be obtained from utility companies, trade associations, shopping and networking with other business people who may have already gone through this experience. Do not start buying until the investigation shows this venture is viable and you have all the information needed.

6. What do I need to know about financial statements?

First, you need to know which financial statements are important. They are:

  • Balance Sheet—shows the financial conditions of your business at a point in time
  • Statement of Operations (Profit and Loss Statement)—shows whether you made a profit during a specific period of time
  • Cash Flow Statement—shows what happened to your cash position during a specific period of time

You should have a basic understanding of each of these statements. When compared with statements from prior periods, you can determine whether something is happening in your business that needs your special attention.

Your accountant can prepare these statements for you from the business data that you supply. There are also a number of computer software programs that will help you generate these statements from your input of regular transactions—such as sales, collections, purchases, payments and payroll.

A SCORE counselor can help you understand these statements and may be able to direct you to a workshop on this subject. In addition, most community and business colleges teach courses in financial statement analysis.

7. Why is it important to do a monthly cash flow analysis?

Your businesses cash-flow cycle may differ substantially from the income statement projections. Even if the projected income statement shows a profit, it is possible that the cash flow for the same period is actually negative.The analysis of monthly cash flow can indicate whether your business will collect sufficient cash to pay operating expenses. It will point out specific months during the year when the business may experience operating cash shortfalls and, therefore, either require additional capital or excess cash reserves for payment of expenses. It will also show when you may be able to make debt reductions and when there is excess cash to make major purchases or expand operations.By developing a monthly cash flow projection, you can time cash needs and quantify the amount needed. The cash flow projection is an important management tool and must be developed with very realistic expectations. Sufficient cash is critical for a business to pay its expenses and to enable it to expand. If your monthly cash flow projections indicate frequent cash shortfalls, you should review the type of products and services that you offer, the mix of sales, the pricing and terms of the sale and your short-term borrowing needs.

8. How can I obtain cash to maintain and grow my business?

Develop a positive business relationship with your bank. Seek your banker’s advice even at times where you are not seeking funds. You may find that every time you go to your bank you speak to a different loan officer, so you should know them all.When the loan officer gets a promotion, you must start all over again with another person. If you want the bank to take an interest in your business, then you have to take an interest in theirs. How?

  • Know your banker—Take an interest in your banker as a person. Ask your banker to hold on to your account if he/she is promoted. When you go to see your banker, have your business plan and financial papers ready. Make it easy for your banker to see what you want and why. The bank wants to minimize its risk with regard to you and your business. This is where you have to sell yourself.
  • Know your bank—Know and understand your bank’s annual report. Know your bank’s business direction and plan. Know the bank’s lines of authority. Get on the bank’s mailing list. It’s an easy way to keep up with bank news.
  • Go to a bank-sponsored seminar—Go to your bank’s seminars on commercial lending. This will teach you how your bank operates in terms of lending policies. By doing this, you also prove that you have an interest in what the bank is doing. Finally, it affords you the opportunity to meet and make an impression on the loan committee.

9. Why is location the most important aspect of my business?

A good location can make the difference between a profitable and a bankrupt business. There are many questions to consider when choosing a business site. Use the questions below as a checklist for potential locations and then compare several sites.

  • Are there parking facilities?
  • Is transportation available and convenient?
  • Is the quality of police and fire service adequate?
  • Will it be a quality site for the future—five, 10, 25 years from now?
  • Is nearby housing readily available for management and employees?
  • Is there nearby competition? Are those sites better or worse than yours?
  • What is the general business climate in the area? Is this a prosperous market?
  • Are merchandise and raw materials available? Are your suppliers easily accessible?
  • How is the traffic flow—can your customers reach you quickly and inexpensively?
  • Is your building suitable to your kind of business—will it need any major renovations?
  • Is there an adequate community infrastructure for utilities (sewer, water, power, gas, etc.)?
  • What is the tax burden—town, city, county, state? Will this impede your business and growth?
  • What are the costs of operation in this location—will it be too high to offer you an adequate profit?

10. Why is competition important?

No business operates without direct competition. There also may be indirect competition, which has a significant impact on customer’s buying decisions in your market.Direct and non-direct competitors try to convince customers to buy their products or services instead of yours. It is in your best interest to learn more about the companies that are trying to reduce your take-home pay. List the strengths and weaknesses of each competitor. Talk with friends, visit your competition, call for information about their products and analyze how they advertise.Next, take a sheet of paper and list the major competitors. Give each a rating, on a scale of one to 10, for product quality, process, advertising, price and customer satisfaction. You can add other ratings that you feel are important.Your business can become more profitable by adopting practices you admire in competitor operations and by avoiding their mistakes. Some of your competitors have been in business successfully for many years. Certainly, as a new or relatively new business, you can learn a lot from them.

11. How can I better market my business?

To market your business, you must define your customer. To maintain consistent sales growth, you must become knowledgeable about your market. Develop an outline of your “typical” consumer:

  • What exactly is your market?
  • Where do the consumers come from? (city centers, suburbs, tourists, international)
  • What are customers buying patterns?
  • Why should they buy from you? (convenience, price, quality, service)
  • Should you try to appeal to a niche market segment or the entire market?
  • Have you missed a new customer segment or special market?
  • How large is the potential target market (in units or dollars)? Is it growing, stable or decreasing? What percentage of the market do you have?

Research will provide answers that are not available from your business records and a financial analysis. Conduct research through trade associations, your local chamber of commerce, libraries or even ask for the help of a SCORE counselor. Pay attention to how competitors market to their customers. Perhaps, some of their marketing strategies can be adopted for your business, or you may find examples of what not to do.

12. What makes a successful marketing strategy?

When creating a marketing strategy, keep in mind the four P’s of marketing:

  • Product—What good or service will your business offer? How is that product better than those offered by competitors? Why will people buy/want it?
  • Price—How much can you charge? How do you find the balance between sales volume and price to maximize income?
  • Promotion—How will your product or service be positioned in the marketplace? Will your product carry a premium image with a price to match? Will it be an inexpensive, no-frills alternative to similar offerings from other businesses? What kinds of advertising and packaging will you use?
  • Place—Which sales channels will you use? Will you sell by telephone, or will your product be carried in retail outlets? Which channel will economically reach your market?

The marketing strategy should summarize your findings about the key target buyer description, market segments the company will compete in, the unique positioning of the company and its products compared to the competition, the reasons why it is unique or compelling to buyers, etc.

13. What do I need to know before creating a marketing brochure?

A marketing brochure can be long-lasting or short-term. It can represent your business to potential customers and it can be a referral piece for existing customers. Decide the purpose of and goals for the marketing brochure before you begin to design and write. Remember, this brochure represents you and your business; be sure its look and feel complements your business. Here are few tips for when you are ready to begin.

  • State your message up front—The selling message should appear on the cover of the brochure. For instance, “The XYZ Company—Consultants on Doing Business Overseas.”
  • Include artwork—If you have space limitations, one large photograph or graphic is better than several small images that might not clearly portray your services or products.
  • Photo captions—Photo captions are read twice as often as the main copy.
  • Create a keeper—Make your brochure worth keeping. Include a calendar of events in your specific industry or some data that will be useful to potential clients in the future.
  • Quality is key—Your publications reflect you and your business. Using one to four colors in the brochure will make it stand out over one that is black and white. A good quality paper stock is also important (and comes in many colors and shades if you choose to use black ink). Remember to consider the weight of the paper stock in relationship to mailing costs.

It is wise to have your brochure professionally designed. Even if you have computer graphic skills, design is best left to professionals.

14. How can I improve customer service in my business?

Develop a strategy that puts the customer first. Customers will receive the best possible service when employees are empowered to make this happen. This is not to say that you should be lenient with your policies, but have a degree of flexibility. Just remember, a lost customer could spread the word of their discontent, resulting in more lost customers.Review the most common reasons for poor customer service. Use these insights as a way to improve your customer service:

  • Too many rules—Employees lack creativity in problem solving. Rules are followed and good solutions are not developed because employees do not want to jeopardize their jobs.
  • Lip service, not customer service—Customer service is really only a name for customer complaints. Time is spent trying to fix problems rather than preventing them from occurring in the first place.
  • Unempowered employees—Approval is needed by a manager for small problems that can easily be solved by a good employee. This problem leads to long lines and time-consuming waits by the customer, who then refuses to come back-business operations turns a small problem into a large one.
  • Unmotivated employees—Personnel are not encouraged to please the customer because there is no merit in it for them.
  • Bad communication—Coordination of functions does not exist-one person may write an order while another picks it off a warehouse shelf and someone else delivers it to the customer. This can result in miscommunication, incorrect goods or services, and time delays.
  • Arbitrary policies—Policies that are followed blindly without room for situational allowances may result in angry customers. For example, a store’s return policy of 30 days prevents a customer who, with good reason, could not get back to the store in time from receiving a refund. That customer will refuse to do business there anymore.

15. Is there anyone who can answer questions specific to my business?

SCORE “Counselors to America’s Small Business” provides free and confidential business advice and mentoring services to entrepreneurs nationwide. SCORE is a nonprofit association consisting of 10,500 business counselors who donate their time and business expertise to guide small businesses via face-to-face mentoring or online counseling.SCORE, a resource partner with the U.S. Small Business Administration (SBA), has assisted millions of start-up and growing businesses since 1964.You can visit the SCORE web site and find a wealth of small business information. A popular online service is Email Counseling, which allows you to choose a counselor from a bank of more than 800 SCORE counselors.Using email, your counselor will answer questions, give advice and otherwise provide valuable support—all for free. Also on the SCORE site, you will find articles written by industry experts and successful small business owners.

src: bplans.com

Web Design Best Practices Checklist

Background Information

  • URL:
  • Target Audience:
  • Purpose:

Page Layout

  1. ❏    Appealing to target audience
  2. ❏    Consistent site header/logo
  3. ❏    Consistent navigation area
  4. ❏    Informative page title that includes the company/organization/site name
  5. ❏    Page footer area includes copyright, last update, contact e-mail address
  6. ❏    Good use of basic design principles: repetition, contrast, proximity, and alignment
  7. ❏    Displays without horizontal scrolling at 1024×768 and higher resolutions
  8. ❏    Balance of text/graphics/white space on page
  9. ❏    Good contrast between text and background
  10. ❏    Header and nav occupy less than ¼ to ⅓ of the browser at 1024×768 resolution
  11. ❏    Home page has compelling, interesting information above the fold at 1024×768
  12. ❏    Home page downloads within ten seconds on dial-up connection
  13. ❏    Viewport meta tag is used to enhance display on smartphones
  14. ❏    Media queries configure responsive page layout for smartphone and tablet display

Browser Compatibility

  1. ❏   Displays on popular/current versions of Internet Explorer
  2. ❏   Displays on current versions of Firefox
  3. ❏   Displays on current versions of Google Chrome
  4. ❏   Displays on current versions of Opera
  5. ❏   Displays on current versions of Safari (both Mac and Windows)
  6. ❏   Displays on popular mobile devices (including tablets and smartphones)

Navigation

  1. ❏   Main navigation links are clearly and consistently labeled
  2. ❏   Navigation is easy to use for target audience
  3. ❏   If main navigation uses images, clear text links are in the footer section of the page
  4. ❏   If main navigation uses Flash, clear text links are in the footer section of the page
  5. ❏   Navigation is structured in an unordered list
  6. ❏   Navigation aids, such as site map, skip navigation link, or breadcrumbs are used
  7. ❏   All navigation hyperlinks “work” — are not broken

Color and Graphics

  1. ❏   Color scheme is limited to a maximum of three or four colors plus neutrals
  2. ❏   Color is used consistently
  3. ❏   Text color has sufficient contrast with background color
  4. ❏   Color is not used alone to convey meaning
  5. ❏   Use of color and graphics enhances rather than distracts from the site
  6. ❏   Graphics are optimized and do not significantly slow download
  7. ❏   Each graphic used serves a clear purpose
  8. ❏   Image tags use the alt attribute to configure an alternate text description
  9. ❏   Animated images do not distract from the site and do not endlessly repeat

Multimedia

  1. ❏   Each audio/video/Flash file used serves a clear purpose
  2. ❏   The audio/video/Flash files used enhance rather than distract from the site
  3. ❏   Captions are provided for each audio or video file used
  4. ❏   Download times for audio or video files are indicated
  5. ❏   Links to downloads for media plug-ins are provided

Content Presentation

  1. ❏   Common fonts such as Arial or Times New Roman are used
  2. ❏   No more than one web font is used
  3. ❏   Techniques of writing for the Web are used: headings, bullet points, brief paragraphs
  4. ❏   Fonts, font sizes, and font colors are consistently used
  5. ❏   Content provides meaningful, useful information
  6. ❏   Content is organized in a consistent manner
  7. ❏   Information is easy to find (minimal clicks)
  8. ❏   Timeliness: The date of the last revision and/or copyright date is accurate
  9. ❏   Content does not include outdated material
  10. ❏   Content is free of typographical and grammatical errors
  11. ❏   Content provides links to other useful sites
  12. ❏   Avoids the use of “Click here” when writing text for hyperlinks
  13. ❏   Hyperlinks use a consistent set of colors to indicate visited/nonvisited status
  14. ❏   If graphics are used to convey meaning, the alternate text equivalent is provided
  15. ❏   If media is used to convey meaning, the alternate text equivalent is provided

Functionality

  1. ❏   All internal hyperlinks work
  2. ❏   All external hyperlinks work
  3. ❏   All forms function as expected
  4. ❏   No JavaScript errors are generated

Accessibility

  1. ❏   If main navigation uses images, text links are in the footer section of the page
  2. ❏   If main navigation uses Flash, text links are in the footer section of the page
  3. ❏   Navigation is structured in an unordered list
  4. ❏   Navigation aids, such as site map, skip navigation link, or breadcrumbs are used
  5. ❏   Color is not used alone to convey meaning
  6. ❏   Text color has sufficient contrast with background color
  7. ❏   Image elements use the alt attribute to configure an alternate text description
  8. ❏   If graphics are used to convey meaning, the alternate text equivalent is provided
  9. ❏   If media is used to convey meaning, the alternate text equivalent is provided
  10. ❏   Captions are provided for each audio or video file used
  11. ❏   Use attributes designed to improve accessibility such as title when appropriate
  12. ❏   Use the id and headers attributes to improve the accessibility of table data
  13. ❏   Configure frames with frame titles and place meaningful content in the noframes area
  14. ❏   The html element’s lang attribute indicates the spoken language of the page
  15. ❏   The role attribute indicates ARIA landmark roles

INTERFACE VS ABSTRACT CLASS

Ever thought of their differences in real time? This is the frequent important question asked in the interviews. Many people give a canned response like “You can define default functionality in an abstract class and you can just define functions in an interface”. The curve ball is thrown when you ask “Why would you use one over the other?” That will earn you the ‘deer in headlights’ look. Some reply “I never had to use that so I don’t know”. So what are the great differences these two entities have in Software Development?

At the top level, there are a few basic differences. Abstract classes allow for default function definition. This means that whatever class extends the abstract class will have access to this. If we have a base class where all the classes will perform the same function, then we can define that in our Abstract class. An interface is a list of functions or properties that if a class implements it, it will have to have those functions defined within it. It is a situation of “Is-A” vs. “Can-Do-this”. Objects that extends an Abstract class “Is-A” base class. Objects that implement “Can-Do-This”. Now if I asked this question and got the answer, yes, that would be the correct answer. However, I want to know why one would want to use an interface over an abstract class, and vice versa.

In this post I explain where exactly the interface is used and so do the abstract class.

Interface and its use:

It is Purely Abstract
It’s having Fixed Functionality
If an Interface changed, all the underlined classes will change.
This is used when no need of Massive hierarchical framework.

Interface

Interface

Example 1 :

Hierarchical inheritance

Hierarchical inheritance

Example 2 :

Let’s have an interface for a Director and another interface for an Actor.
Public interface Actor {
Performance say (Line l);
}

Public interface Director {
Movie direct (boolean goodMovie);
}

In reality, there are Actors who are also Directors. If we are using interfaces rather than abstract classes, we can implement both Actor and Director.
We could even define an ActorDirector interface that extends both like this:
Public interface ActorDirector extends Actor, Director {

}
We could achieve the same thing using abstract classes.
By using Abstract class would require up to 2^n (where n is the number of attributes) possible combinations in order to support all possibilities.
Ex: ActorDirector, DirectorActor……

Why to prefer an Abstract Class?

Abstract classes allow you to provide default functionality for the subclasses. Common knowledge at this point. Why is this extremely important though? If you plan on updating this base class throughout the life of your program, it is best to allow that base class to be an abstract class. Why? Because you can make a change to it and all of the inheriting classes will now have this new functionality. If the base class will be changing often and an interface was used instead of an abstract class, we are going to run into problems. Once an interface is changed, any class that implements that will be broken. Now if it’s just you working on the project, that’s no big deal. However, once your interface is published to the client, that interface needs to be locked down. At that point, you will be breaking the client’s code.

Its contains Default Functionality & abstract methods i.e Concrete Methods.
Used in Versioning by overriding the default functionality in new version (class that extends previous abstract class)
Abstraction used with polymorphism is called Versioning.
If we have common functionality used in a hierarchy of classes then put them in Abstract class.

Whenever we need to override the existing functionality we should cut a branch of underlying classes and inherit from parent abstract class (which contains common functionality).

Example: Some common functionality is used across the hierarchy B-C-D-E-F. If you want to change the functionality how the D object works then you need to cut the tree and attach E-F to A.

Abstract class

Abstract class

 

Frameworks are a good place to show when and where to use both an abstract class and an interface. Another general rule is if you are creating something that provides common functionality to unrelated classes, use an interface. If you are creating something for objects that are closely related in a hierarchy, use an abstract class. An example of this would be something like a business rules engine. This engine would take in multiple BusinessRules as classes perhaps? Each one of these classes will have an analyze function on it.

public interface BusinessRule{
Boolean analyze(Object o);
}

This can be used ANYWHERE. It can be used to verify the state of your application. Verify data is correct. Verify that the user is logged in. Each one of these classes just needs to implement the analyze function, which will be different for each rule.
Where as if we were creating a generic List object, the use of abstract classes would be better. Every single List object is going to display the data in a list in some form or another. The base functionality would be to have it go through its dataprovider and build that list. If we want to change that List object, we just extend it, override our build list function, change what we want and call super.buildList();

Almost everyone knows that interfaces means you are just defining a list of functions and that abstract classes has the option of providing default functionality. The snags come when you drop the ‘why would I use one over the other?’ Abstract classes and interfaces are some of the most important fundamentals of object oriented programming. Just knowing the differences between the two is not enough. When you can look at a situation and make a strong recommendation, you will know you have a much stronger knowledge of object oriented programming. Also it helps during interviews.

25 TECHNOLOGY QUOTES I LIKE

Not everything that can be counted counts, and not everything that counts can be counted.
-Albert Einstein

“I am enough of an artist to draw freely upon my imagination. Imagination is more important than knowledge. Knowledge is limited. Imagination encircles the world.” -Albert Einstein

Things should be made as simple as possible, but not any simpler.
-Albert Einstein

Technological progress has merely provided us with more efficient means for going backwards.
-Aldous Huxley

“The perfect computer has been developed. You just feed in your problems and they never come out again.”
-AL Goodman

The real problem is not whether machines think but whether men do.
-B. F. Skinner Contingencies of Reinforcement, 1969

It is only when they go wrong that machines remind you how powerful they are.-Clive James

One machine can do the work of fifty ordinary men. No machine can do the work of one extraordinary man.

-Elbert Hubbard, The Roycroft Dictionary and Book of Epigrams, 1923

If I have seen further it is by standing on the shoulders of giants.
-Isaac Newton

Hardware: the parts of a computer that can be kicked.
-Jeff Pesis

Man is still the most extraordinary computer of all.
-John F. Kennedy

The production of too many useful things results in too many useless people.
-Karl Marx

“Beware of computer programmers that carry screwdrivers.”
-Leonard Brandwein

All of the biggest technological inventions created by man – the airplane, the automobile, the computer – says little about his intelligence, but speaks volumes about his laziness.
-Mark Kennedy

Man is the lowest-cost, 150-pound, nonlinear, all-purpose computer system which can be mass-produced by unskilled labor.
-NASA in 1965

“Computers are useless. They can only give you answers.”
-Pablo Picasso

“To err is human, but to really foul things up you need a computer.”
-Paul Ehrlich

Programming today is a race between software engineers striving to build bigger and better idiot-proof programs, and the Universe trying to produce bigger and better idiots. So far, the Universe is winning.
-Rich Cook

Computers are like bikinis. They save people a lot of guesswork.
-Sam Ewing

“Technology has the shelf life of a banana.”
-Scott McNealy

Never trust a computer you can’t throw out a window.
-Steve Wozniak

The most important thing in science is not so much to obtain new facts as to discover new ways of thinking about them
-Sir William Bragg

Just because something doesn’t do what you planned it to do doesn’t mean it’s useless.
-Thomas Alva Edison

Anyone who puts a small gloss on a fundamental technology, calls it proprietary, and then tries to keep others from building on it, is a thief.
-Tim O’Reilly

The empires of the future are the empires of the mind.
-Winston Churchill