Judas Priest! And I thought Everett Citizen and Gideon composed long ones! I wonder how many times I could play "Stairway To Heaven", "Light My Fire", or "In-A-Gadda-Da-Vida" (album version) before finish reading some of these :-)
You're probably not going to be happy with this post either Flint, but allow me to expand on what I said about the profit part: How does that cushion called "savings" come about WITHOUT having profitable quarters or years? Just about every business is going to have a quarter or year where expenses exceed revenues, and I believe the difference between the "expenses" figure and "revenues" figure in this case is called "loss" or "net loss", meaning the business is losing $$$. Now, would you rather induce even more stress by whipping out the business Visa, M/C, or AMEX or otherwise borrowing money from other sources, ...or would you rather be glad that there is actually money in the bank, savings that are the result of the PREVIOUS successful quarter's/year's profit? If all your venture has done is break even before the shit period, you'll have the choice of either borrowing money/credit to the max to stay afloat, ...or shutting down, therefore leaving everyone involved out of work.
Was it you or Floyd who used to be a disciple of that Libertarian accountant/author? Take a good look at his material again.
"This is the end, this is the end, my friend". Jim Morrison.