When small-business people need a bank loan for their business, they are most likely to borrow this against their home—if they have a home. So not only do they risk their business but they also risk their family home. Then, once you have a successful business, people say things like "How lucky you are! You must be successful, because you own all this." But what they forget is all the hard work we had to put into our business. Long hours, personal money, one partner working another job or two, no holidays—just some of the sacrifices we have made because we believe in our business.