recovering this negative position can consume years of the actual cash flow when using realistic expense estimates.  

We add roughly 10% to the true cost and that cover consumables. 

Consumers pick up on that. 

Consumer prices rose 0.5% for the month, surpassing the 0.3% forecast, while year-over-year inflation increased to 3.0%, up from 2.9% in December.

Time consuming - if you have 10 applicants are you going to interview each?

.- Working a W2 as a firefighter, posting and consuming content- Leaving my W2 to dive deep into real estate investing and working as an agent... and still watching/posting content all while business was ok - Deleting social media apps (one have one on my phone that I use 10 minutes or less a day), diving deep into building my business and skills which have drastically increased due to pure focus and increasing my business significantly- moral of the story... focus on the things you need to do in business (dollar productive activities) and life experiences while reducing consumption will increase your success  

If I may, a lot of the issues we are running into with insurance is that consumers no longer use insurance as a catastrophic fall back but rather, they nickel and dime on small claims that compund into larger issues. 

I have experience building my own DTC consumer goods type sites so I was planning to build my own.

I've litigated personal injury cases (plaintiff's side and ID), business disputes, commercial debt, consumer debt, fraud, civil rights, contested foreclosure, real estate disputes, and landlord-tenant cases.For the past year and a half, I have been spending most of my time digging into small business acquisitions.

As Jay mentioned they must be NMLS licensed if owner occupant of in several states even commercial needs licensing.The NMLS is like the database, each state has a division of banking that oversees lending requirements then you also on the federal level have CFPB as well as consumer protection laws.I want to add that I believe yesterday the CFPB is undergoing changes, but if it goes away that does not mean that many of the laws in place especially consumer protection laws would go away.