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xxxxxx, passing on a business to another person or persons can be a very complicated process. The laws governing the transfer of a business are quite involved. Therefore, succession planning is imperative. The farther ahead these plans can be put together the better. Having solid legal advice is another necessity. Risk is a constant problem for all businesses, both big and small. Good work analyzing ways to minimize risks. Do you feel that debt is a major risk for small businesses or more of an opportunity?