DIL is just finding out that running a small business is a bit risky financially due to people not paying their bills either on time, or at all. It's a pity because she does give an excellent service and charges lower rates than others because her overheads are lower. One client she has, who has failed to pay up, runs a small hotel, quite a few miles from here, for which she charges about £5,000 a week, is very demanding about the service she requires and who wants laundry collected and delivered within the week (so 2 trips to do that). Now that they can get their own staff, another, larger business has decided to go back to doing their own laundry, but she knew that wasn't a permanent contract. That makes trips to further away parts of the Island unviable. So a new direction is required, or cutting down just to herself doing the work and her elder daughter not working for the business at present. Nobody said it was going to be easy, and I'm pretty sure many small businesses run into these kind of problems in their early days.