I'm looking for your opinions. I can probably get a 36" Walk-Behind financed, but with money down or all the proper business licensing and insurance next year. If I get the licensing and insurance, I will have to continue running a 21". Which route should I take? Option 1: Get a 36" Walk-Behind and not have any licenses. Option 2: Get licenses, but carry no insurance and get walk-behind. Option 3: Get licenses and insurance, but run basic 21" set-up. Do you have to have insurance to be a business? Also, is it illegal to mow yards without a license if you still pay income taxes? How much do you have to make to pay income taxes? Thank you for any help in advance.