MANY thanks. That's a keeper. I'll index it so that I can find it when I need it. Some of what you said I'd guessed but didn't know the details or the level

MANY thanks. That's a keeper. I'll index it so that I can find it when I need it. Some of what you said I'd guessed but didn't know the details or the level of importance you made clear. E.g., I suspected that I needed business insurance, but I've been unclear on all the reasons why. The rest, I didn't know. Yup, I'm learning now. Partly I was wondering if it was expected and required and in practice permitted to make gifts, say, cash to the local police. I very much hoped not, and would have checked with a street-wise, SMB lawyer. Your advice of just do not have routine interactions with the police sounds about right. Thanks.