If you became incapacitated tomorrow, what would happen to your business? Though “planning for the unexpected” is not the most pleasant of topics, it behooves all independent jewellery retailers to consider even the most uncomfortable of scenarios when thinking about the future of their business. Specifically, death, disability, and divorce—the three Ds—are among the most common reasons for business failure. Indeed, many shops simply cannot survive the death, disability, or divorce of an owner.