I don’t offer insurance but I will email you separately regarding that.
It struck a chord because I have always felt that the strong will survive during a downturn, but I hadn’t realized it was a necessary part of a capitalistic system. It makes complete sense. It’s also a kick in the pants (as if I needed more) to get going. I also look at a downturn as an OPPORTUNITY to gain marketshare, assuming some of my competitors will have difficulty or disappear altogether. I think you are seeing it the same!