Congrats Don, I remember talking with you about being home more 2 yrs ago at MD you were struggling then with the idea. I know its alittle scary having never been self employed but I absolutely believe you are the perfect guy for it, and I know you are going to do very well. Believe me your whole life can change in a heartbeat, do what you enjoy, try something new. This is the perfect oppurtunity for you, you had a year to learn the ins/outs and now you can take it to the next level. You are a smart guy, you are going to kick yourself for not doing it sooner. I was self employed for 35yrs, you have already recvd alot of good advice here.
All the best, Craig