Generate a full detail guide on 'Open-Book Management.' The guide should be cultural and operational. It must include detailed sections on: 1. The philosophy behind Open-Book Management and its benefits for employee engagement. 2. A guide to teaching financial literacy to your team in a simple way. 3. Which key numbers to share and how to present them in a regular company 'huddle.' 4. A framework for creating a bonus program tied to the company's financial success. 5. How to address the challenges and fears associated with financial transparency. Please include a disclaimer.