It started with a lunch invitation. Ten years ago, Jane Fowler and I were coworkers at a private practice, slated to help open a second location. We were colleagues, acquaintances really, but we weren't yet partners. One afternoon, Jane asked me to lunch. I expected a strategy meeting about our employer's new office. Instead, she looked me in the eye and presented an idea that stopped me in my tracks: "We can do this ourselves." I was shocked. Becoming a business owner was no