[Ammi]

..actually I will add as well..with insurance..?...a few years ago, we had a plumber...(yes he was male/sorry truth..)...he has his own business and has a son..(around 19-ish at the time if I recall correctly..)...and his son came to help out with him a few days because he wasn't in education or employed...anyway, we were talking and he said that he would like his son to be a part of his business and his son would be all for that as well..but that as he was such a small business, he couldn't afford the insurance because it would be too high...really quite sad and something that should be looked into for very small businesses who would like to take on apprentices and teach them a trade...