Starting your own business could be the way to achieving financial independence. (1) ………. it could just as well land you in debt for the rest of your life. (2) ………. , that is the view of Charles and Brenda Leggat, a Scottish couple, who last week saw their fish farm business put into the hands of the receiver. 'We started the business at a time when everyone was being encouraged by the banks to borrow money. (3) ………. , we fell into the same trap, and asked for a big loan. (4) ………. , at the time we were sure that we could make it into a going concern,' said Charles Leggat, a farmer from the Highlands. The bank analysed the proposals we put forward and they agreed that it would be a highly profitable business.' Sure enough, within five years the Leggats were exporting trout and salmon products to hotels all over Europe, and (5) ……….they took on over fifty staff. (6) ………. , with the advent of the recession, they began to lose ground as orders dried up. '(7) ………. , said Brenda Leggat, 'the business has now been valued by the bank at a fraction of its true worth. If they had left us to work our way out of our difficulties, (8) ………. virtually bankrupting us, I am sure that we could have gone back into profit. As it is, we have been left without a livelihood, and the bank has not recovered what it lent us.' The Leggats both felt that their banks had not treated them fairly. '(9) ………., they were falling over themselves to lend us the money initially, (10)………. now they are doing very little to keep the business going, and fifty local people in work.' A spokesman for the bank concerned refused to comment.