Hello writers! 4 friends and I (students and grads at UT in Austin) have developed a web and iPhone application which facilitates payments via web or phone. We've spent the past six months developing and testing and now its time to get serious and set up a viable business with a P-L-A-N. We are all new to this so I'm hoping the experts we work with can help us understand what we should be presenting in this document. But needless to say, it should be all the usuals.