... mental attitude is an important source of strength and advantage Behaviours to avoid in decision- making include procrastination or panic Instead, adopting a calm, positive and appropriate approach ... international expansion 96 regulation 26 average cost pricing 188 Page 235 awareness raising 60 B balanced scorecard 11, 42–5 Banco Bilbao Vizcaya Argentaria (BBVA) 159 Bank of America 149 Barbour, ... detailing the financial techniques that can be applied by non-financial managers for decision- making See, for example, Harrison, J., Finance for the Non-Financial Manager, HarperCollins, 1989 A guide...