Every business owner knows the feeling. The year is wrapping up, the holidays are coming, and somewhere in the back of your mind is a question you would rather not look at yet: are the books actually ready? For a lot of owners, the honest answer is "mostly." The bank accounts are close. A few transactions are still sitting in uncategorized. There is a loan balance that has not looked right since spring, and nobody has confirmed which contractors need a 1099. None of it feels