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  A MESSAGE FROM THE PROGRAM ADMINISTRATOR 
 SFO RECEIVES OWNER OF THE YEAR AWARD 
 HECTOR AND NICK COLINA OF ANCO IRON & CONSTRUCTION 
 KEN GOODWIN ON THE IMPORTANCE OF SURETY BONDS 
 THE COST IMPACT OF BONDING ON BIDDING & ESTIMATING 
 WHERE ARE THEY NOW : BAY AREA PIPE & EQUIPMENT ( BAPE ) 
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31 34 37 39 
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  LAYMAN ’ S GUIDE TO CONTRACT TERMS 
 UNDERSTANDING INSURANCE FOR CONTRACTORS 
 THE IMPACT OF INSURANCE ON BIDDING 
 THE IMPORTANCE OF BIDDING 
 STRATEGIES & COST ESTIMATIONS 
 HOW TO SUCCEED AT BIDDING & ESTIMATING 
 SMALL BUSINESS FINANCIAL RESOURCES 
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