I am sure that once I post this I will be told to look in the archives...before you repy with that one let it be known that I have. I am also sure that there will be a bunch that will say they do it all without debt (good for you!) This post is intended to get information from those of you who are using debt to grow their business; who in the process have the responsiblities of a mortgage, kids, etc.. What is a "normal" debt to revenue ratio for this industry (if their is such a ratio)? What is the "normal" debt to equity ratio? What do you do to get by in the winter other than drawing from a line of credit when it does not snow? How is your relationship with your banker? Thanks for your assistance in advance and by the way you convinced me stonehengebpl! John John from the other place.