It’s a sunny spring morning in Central New York. You woke up energized and immediately started loading your truck with 2x4s and tools for the job you landed weeks ago. You’re turning into a small contractor, and it feels great. Things are looking up. You take a sip from your cup of piping hot morning coffee before you back out of the driveway. But you glance down to switch the radio station for what seemed like a split second and narrowly miss your Mercer Street neighbor, Kathy, who was just passing by in front of your house. You quickly hit…