I quote for you from the Roman philosopher Seneca: "Luck is what happens when preparation meets opportunity." That pretty much describes the grind that goes into creating a successful business. But just when you think it's all working out, more red tape, taxes, compliance costs arrive. We work hard to keep our business running, our employees employed, but year after year it gets harder. So why do we do it? We do it because we have invested so much time and money into a business that employs staff and services clients. I am proud to be a small-business owner. Our hard work is starting to pay off, but there are so many small businesses out there that are having a hard time. I know this because it could have been us. All it takes is customers not paying due to an event like COVID. Finally on business: we don't want hand-outs, that's not sustainable. We want an environment that supports small businesses to be able to grow through hard work to succeed.