NED: My whole mind-set is that we're a team to get a job done and find challenging work.

And we really have no chain of command per se. We are all professionals. And we are focused on the number one, our customer. And our second focus is on the people that support that customer.

RAY: Even if you're the one who's the shining light at the beginning, even if you're the one on whom everything depends, five or 10 or 15 or 20 years down the road you have to think, `When I step out of this, what have I built that has value?'

And you have to begin that value-building process now, not wait until you're ready to sell. Those entrepreneurs who have built great companies are a remarkable resource for our country and for others around the world, Hattie.

I'd like to see them take their knowledge, their experience, their insight, their wisdom that has come from building a successful company and find ways to share that with others, to in fact never retire, but find the next career, the next opportunity, the next way to make a difference in the lives of other people with whom they come in contact. And if they do that, not only will they be better, not only will their companies be better, we'll all be better.

HATTIE (In the Studio): Freddie, Rick and Ned are proof that sharing ownership can pay you back a rich dividend. Whatever you think you might be giving up is small compared to what you will gain. We've learned today that sharing ownership increases employee loyalty and productivity. You can harvest and become more liquid, and the icing on the cake, your business can outlive you.

To learn more visit the Beyster Institute at fed.org, and the National ESOP Association at ESOPassociation.org, and the National Center for Employee Ownership at nceo.org. Or just come to our site, SmallBusinessSchool.org (goes to other pages about ESOP programs).

We'll see you next time.