It was 4:47 PM on a Friday when my phone lit up with a text from Maria, the owner of a 12-employee landscaping company. “QuickBooks payroll update won’t work. Payroll is due Monday. Help!!” The panic in all-caps was palpable. I’d been down this road hundreds of times—it’s the classic small-business adrenaline spike. But what Maria didn’t know yet was...
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