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As a kid, I dreaded those occasions when Mom would drag me, whimpering in absolute terror, to the dentist's office. It didn't take too many trips before I learned that prevention was my only salvation. Three decades later when we started our construction business, that same sense of fear and trembling came back to haunt me every year in the guise of the insurance auditor. Insurance auditors mean business. Each year they ask you to produce payroll records for employees, and payment records and insurance certificates for subcontractors. They don't ask for that information just to get their jollies, knowing you'll spend days frantically running around the office digging out all that data. No, insurance auditors get their jollies when you can't