I just got done reviewing a business plan that a client was ready to take to his banker. He had listed his employees, their rates, and their expected hours in his payroll projection area. Unfortunately, he had used these numbers to calculate a weekly wage (a good number) then multiplied his weekly by 4 for a monthly number (bad) then multiplied that by 12 for an annual number (really bad). I reworked this and some similar problems for him and then discussed why he needed to ask for more capital.

I think he thinks I am the now.

Not quite the caliber of Dave's experience, but nonetheless frustrating.