It's really quite sad that so many businesses will be at risk after being so over-extended.

I dunno about you, but when I started my company - years ago - I was well aware of the horrible failure rate, and when it died I was at least pleased that it didn't die of cash flow but of corporate crime (but he skated on insufficient evidence). The point is, every business owner knew the end was coming a long time ago; or they should have.

This cataclysm is coming, and I hope everyone survives it, even if their businesses don't. No business is worth losing your health over.

Is it still before 18 January?