Dear PPM "THE BUSINESS OWNER is the one who is taking the risk" This was said in a law school class in which I found myself. My answer was, some risk. When at the age of thriteen my father went down in the coal mine, the owner took all the risk? Down in that hell where he could not see his hand in the light of his lamp from al the coal dust, down there where water or gas could kill him at any moment and with no warning, the poor old boss - living on 5th Ave in NY, was likely loosing sleep for fear of the risk, the risk that he could loose all the money he made off my dad's labour and find himself down in the risk my dad took every day. I don't think the boss died, gasping for every breath of emphasima, as my dad did, and so many others who left the risk up to the boss.
Cheers,
Larry PS My dad deserved the palace of gold, not the son of a bitch who sent him down in the ground, my dad worked for it, he didn't.