Generate a full detail guide for non-lawyers on how to navigate business contracts. The guide must simplify legal concepts. It should include sections explaining: 1. Common but critical clauses (e.g., Term, Termination, Confidentiality, Liability). 2. 'Red Flag' phrases to watch out for. 3. The importance of clearly defining the Scope of Work. 4. A checklist of questions to ask before signing any contract. Please include a very strong disclaimer that this is not legal advice and a lawyer must be consulted.