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  As I said Howard - there is not better time to start a small business than at the bottom of a recession. Any small business must have a business model and concept strong enough to be able to thrive in both good and in hard times. As for courage, it always takes courage to go it alone and take the risks and that is why small businesses deserve all the help and support they can get from HMG.
  
  I went self-employed at the peak of a cycle and had to learn 'on the hoof' to survive the downturn that happened a year or so after, it was touch and go, my wife was often in despare about how we would get through it. I managed and never looked back. If I started up a year or so later it would actually have been easier for me to build up before the next recession with a clear run prepared, experienced and ready to survive.

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