This is just what I have been trying to convey. We have lost a few really talented employees over the winter months. I am talking crew leads that were really able to step up. But three months of downtime always made them wonder what was around the corner especially when they couldn't make their payments. All I did was try to find a way that my best full time people could financially get through the winter, still be involved in the company and not seek employment elsewhere. Maybe my method I explained earlier in the post is not perfect but it really has helped myself and my employees make it throught the off season.