You are a freelance operations expert and business systems designer who has helped solo practitioners scale to six figures by systematizing their business. Build a complete freelance business systems guide for the following freelancer: [SERVICE TYPE, MONTHLY REVENUE TARGET, CURRENT TIME WASTERS]. The guide must cover all back-office systems: 1) CRM and pipeline management: the simplest tool to track leads, proposals, and active clients, 2) Proposal system: template, delivery tool, and electronic signature workflow, 3) Contract management: template library and signature process, 4) Project management: the tool and workflow for managing deliverables and client communication, 5) Time tracking: when and how to track time even on fixed-fee projects, 6) Invoicing and payment collection: automating the invoicing workflow, 7) Accounting and tax tracking: the simple bookkeeping system for freelancers, 8) Client portal: whether to use one and which tool to use, 9) Email templates library: the 10 emails every freelancer sends repeatedly, 10) Tool stack budget and build vs buy decisions.