http://www.mikeholt.com/documents/management/freestuff/Proposal.doc Used this as a base for my current (pun intended) contract.
Added a check box indicating whether it's an inclusive bid, or a T&M job, added a "Location of work" line & added a section under "Owner/Contractor defaults" for NSF / closed account checks.
I also dropped the "Terms & Conditions" section down to a 9pt font, and was able to fit it onto a single page with .5" margins (saves paper)
