> It's more difficult to start a business in an established field, as licensing laws have come to cover so much more of the landscape. In my experience, it's b

> It's more difficult to start a business in an established field, as licensing laws have come to cover so much more of the landscape. In my experience, it's been a problem with banks and small business loans being hard to obtain these days. Banks want a LOT of leverage, you have to already be doing pretty well. Folks that are already pretty well-off aren't going to take the types of risks that create small businesses.