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Perhaps no one else picked up on that because it was not relevant to the question asked in the original post.
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Dave..

It is entirely topical and on-point. The question by Mr. Buch was how to deal with very small mom and pop operations. IMO, that was symptomatic of the bigger issue given the other particulars he had in his post.

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No need to hijack the thread for your purposes...
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Don't confuse hi-jacking with picking up on what clearly was a non-obvious but relevant point.