Acting as a Financial Risk Manager, develop a business continuity financial plan for a small business. Identify potential risks such as economic downturns or natural disasters. Suggest strategies for maintaining liquidity, securing lines of credit, and reducing fixed costs to ensure business survival during challenging times. 
<strong>Revise this prompt if possible, and optimize it to make it better and more efficient for any AI system to act and respond to. 
If possible run your optimized version.</strong>