Good AdviceSteve:
Thanks very much for your considered comment. It's comments like yours that give me the motivation to keep up this blog. Like you, I moved here from the West. I grew up in Revelstoke, BC.

I can relate to your statement, "What if I have 4 or 5 bad months in a row?" as I have lived through this too.

I think that you're right about the SME market being underserved. I do some consulting through CAC/ACOA (regional funding for SME) which provides SME clients with a partial rebate on my services. It adds an extra level of government administration, but helps my clients financially. I can tell you more about this if you're interested. On the other hand, you sound like you already have your business model established and may not need any ACOA intervention.

Thanks again :-)