I think you have an excellent point about overhead. I was working for a marketing company that could no longer afford their overhead. I started my web design business just when everyone was starting to admit that the economy was getting bad and it’s been great so far. With no overhead and a virtual team I can do fantastic work and make enough money for myself, while still being able to offer the clients an affordable price. The fact that you started your business from your home is truly encouraging! Thanks.