Something else I forgot to mention in my previous long winded post - you mentioned rising insurance costs. I was paying approximately $6,500.00 a year in insurance costs. I went to another insurance company and asked for a price to insure my company and they came in $800.00 cheaper for the same insurance. When I told my current insurance company that I was leaving them, they dropped $500.00 below the competitor's price. The competitor then dropped $300.00 further. My current insurance company then said they would drop another $300.00... but only if I signed with them on that day. So, I did and my insurance went from $6,500.00 to $4,600.00 in the span of about five days of phone calls back and forth. When you're a 400k company they want your business and so do a lot of other insurers. Check around and get your insurance cost down.