Local News
Simkin Centre shows accumulated deficit of $779,426 for year end March 31, 2025 – but most personal care homes in Winnipeg are struggling to fund daily operations
By BERNIE BELLAN The last (November 20) issue of the Jewish Post had as an insert a regular publication of the Simkin Centre called the “Simkin Star.”
Looking through the 16 pages of the Simkin Star I noticed that three full pages were devoted to financial information about the Simkin Centre, including the financial statement for the most recent fiscal year (which ended March 31, 2025). I was rather shocked to see that Simkin had posted a deficit of $406,974 in 2025, and this was on top of a deficit of $316,964 in 2024.
In the past month, I had also been looking at financial statements for the Simkin Centre going back to 2019. I had seen that Simkin had been running surpluses for four straight years – even through Covid.
But seeing the most recent deficit led me to wonder: Is the Simkin Centre’s situation unusual in its having run quite large deficits the past two years? I know that, in speaking with Laurie Cerqueti, CEO of the Simkin Centre, over the years, that she had often complained that not only Simkin, but many other personal care homes do not receive sufficient funding from the Winnipeg Regional Health Authority.
At the same time, an article I had read by Free Press Faith writer John Longhurst, and which was published in the August 5, 2025 issue of the Free Press had been sticking in my brain because what Longhurst wrote about the lack of funding increases by the WRHA for food costs in personal care homes deeply troubled me.
Titled “Driven by faith, frustrated by funding,” Longhurst looked at how three different faith-based personal care homes in Winnipeg have dealt with the ever increasing cost of food.
One sentence in that article really caught my attention, however, when Longhurst wrote that the “provincial government, through the Winnipeg Regional Health Authority, has not increased the amount of funding it provides for care-home residents in Manitoba since 2009.”
Really? I wondered. Is that true?
As a result, I began a quest to try and ascertain whether what Longhurst claimed was the case was actually the case.
For the purpose of this article, personal care homes will be referred to as PCHs.
During the course of my gathering material for this article I contacted a number of different individuals, including: Laurie Cerqueti, CEO of the Simkin Centre; the CEO of another personal care home who wished to remain anonymous; Gladys Hrabi, who wears many hats, among them CEO of Manitoba Association for Residential and Community Care Homes for Everyone ( MARCHE), the umbrella organization for 24 not-for-profit personal care homes in Manitoba; and a representative of the WRHA.
I also looked at financial statements for six different not-for-profit PCHs in Winnipeg. (Financial statements for some, but not all PCHs, are available to look at on the Province of Manitoba website. Some of those financial statements are for 2025 while others are for 2024. Still, looking at them together provides a good idea how comparable revenue and expenses are for different PCHs.)
How personal care homes are funded
In order to gain a better understanding of how personal care homes are funded it should be understood that the WRHA maintains supervision of 39 different personal care homes in Winnipeg, some of which are privately run but most of which are not-for-profit. The WRHA provides funding for all personal care homes at a rate of approximately 75% of all operational funding needs and there have been regular increases in funding over the years for certain aspects of operations (including wages, benefits, and maintenance of the homes) but, as shall be explained later, increases in funding for food have not been included in those increases.
The balance of funding for PCHs comes from residential fees (which are set by the provincial government and which are tied to income); occasional funding from the provincial government to “improve services, technology, and staffing within personal care homes,”; and funds that some PCHs are able to raise on their own through various means (such as the Simkin Centre Foundation).
But, in Longhurst’s article about personal care homes he noted that there are huge disparities in the levels of service provided among different homes.
He wrote: “Some of Winnipeg’s 37 personal-care homes provide food that is mass-produced in an off-site commercial kitchen, frozen and then reheated and served to residents.” (I should note that different sources use different figures for the number of PCHs in Winnipeg. Longhurst’s article uses the figure “37,” while the WRHA’s website says the number is “39.” My guess is that the difference is a result of three different homes operated together by the same organization under the name “Actionmarguerite.”)
How does the WRHA determine how much to fund each home?
So, if different homes provide quite different levels of service, how does the WRHA determine how much to fund each home?
For an answer, I turned to Gladys Hrabi of MARCHE, who gave me a fairly complicated explanation. According to Gladys, the “WRHA uses what’s called a global/median rate funding model. This means all PCHs—regardless of size, ownership, or actual costs—are funded at roughly the same daily rate per resident. For 2023/24, that rate (including the resident charge) was about $200+ (sorry I need to check with WRHA the actual rate) per resident day.”
But, if different residents pay different resident charges, wouldn’t that mean that if a home had a much larger number of residents who were paying the maximum residential rate (which is currently set at $37,000 per year) then that home would have much greater revenue? I wondered.
Laurie Cerqueti of the Simkin Centre provided me with an answer to that question. She wrote: “Residents at any pch pay a per diem based on income and then the government tops up to the set amount.” Thus, for the year ending March 31, 2025 residential fees brought in $5,150,657 for the Simkin Centre. That works out to approximately $27,000 per resident. I checked the financial statements for the five other PCHs in Winnipeg to which I referred earlier, and the revenue from residential fees was approximately the same per resident as what the Simkin Centre receives.
Despite large increases in funding by the WRHA for personal care homes in recent years, those increases have not gone toward food
I was still troubled by John Longhurst’s having written in his article that the “provincial government, through the Winnipeg Regional Health Authority, has not increased the amount of funding it provides for care-home residents in Manitoba since 2009.”
These days, when you perform a search on the internet, AI provides much more detailed answers to questions than what the old Google searches would.
Thus, when I asked the question: “How much funding does the WRHA provide for personal care homes in Winnipeg?” the answer was quite detailed – and specific:
“The WRHA’S total long-term care expenses for the fiscal year ended March 31, 2024 were approximately $632.05 million.” There are approximately 5,700 residents in personal care homes in Winnipeg. That figure of $632.05 million translates roughly into $111,000 per resident.
“The budget for the 2024-2025 fiscal year included a $224.3 million overall increase to the WRHA for salaries, benefits, and other expenditures, reflecting a general increase in health-care investments.” (But, note that there is no mention of an increase for food expenditures.)
But, it was as a result of an email exchange that I had with Simkin CEO Laurie Cerqueti that I understood where Longhurst’s claim that there has been no increase in funding for care-home residents since 2009 came from.
Laurie wrote: “…most, if not all of the pchs are running a deficit in the area of food due to the increases in food prices and the government/wrha not giving operational funding increases for over 15 years.” Thus, whatever increases the WRHA has been giving have been eaten up almost entirely by salary increases and some additional hiring that PCHs have been allowed to make.
Longhurst’s article focused entirely on food operations at PCHs – and how much inflation has made it so much more difficult for PCHs to continue to provide nutritious meals. He should have noted, however, that when he wrote there has been “no increase in funding for care home residents since 2009,” he was referring specifically to the area of food.
As Laurie Cerqueti noted in the same email where she observed that there has been no increase in operational funding, “approximately $300,000 of our deficit was due to food services. I do not have a specific number as far as how much of the deficit is a result of kosher food…So really this is not a kosher food issue as much is it is an inflation and funding issue.
“Our funding from the WRHA is not specific for food so I do not know how much extra they give us for kosher food. I believe years ago there was some extra funding added but it is mixed in our funding envelope and not separated out.”
So, while the WRHA has certainly increased funding for PCHs in Winnipeg, the rate of funding increases has not kept pace with the huge increases in the cost of food, especially between 2023-2024.
As Laurie Cerqueti noted, in response to an email in which I asked her how the Simkin Centre is coping with an accumulated deficit of $779,426, she wrote, in part: “The problem is that the government does not fund any of us in a way that has kept up with inflation or other cost of living increases. If this was a private industry, no one would do business with the government to lose money. I know some pchs are considering out (sic.) of the business.”
A comparison of six different personal care homes
But, when I took a careful look at the financial statements for each of the personal care homes whose financial statements I was able to download from the Province of Manitoba website, I was somewhat surprised to see the huge disparities in funding that the WRHA has allocated to different PCHs. (How I decided which PCHs to look at was simply based on whether or not I was able to download a particular PCH’s financial statement. In most cases no financial statements were available even to look at. I wonder why that is? They’re all publicly funded and all of them should be following the same requirements – wouldn’t you think?)
In addition to the Simkin Centre’s financial statement (which, as I explained, was in the Simkin Star), I was able to look at financial statements for the following personal care homes: West Park Manor, Golden West Centennial Lodge, Southeast Personal Care Home, Golden Links Lodge, and Bethania Mennonite Personal Care Home.
What I found were quite large disparities in funding levels by the WRHA among the six homes, either in 2025 (for homes that had recent financial statements available to look at) or 2024 (for homes which did not have recent financial statements to look at.)
Here is a table showing the levels of funding for six different personal care homes in Winnipeg. Although information was not available for all homes for the 2025 fiscal year, the figures here certainly show that, while the WRHA has been increasing funding for all homes – and in some cases by quite a bit, the rate of increases from one home to another has varied considerably. Further, the Simkin Centre received the lowest percentage increase from 2024 to 2025.
Comparison of funding by the WRHA for 6 different personal care homes
We did not enter into this project with any preconceived notions in mind. We simply wanted to investigate how much funding there has been from the WRHA for personal care homes in Winnipeg in recent years.
As to why some PCHs received quite large increases in funding, while others received much smaller increases – the WRHA response to my asking that question was this: “Due to the nature and complexity of the questions you are asking regarding financial information about PCHs, please collate all of your specific questions into a FIPPA and we can assess the amount of time needed to appropriately respond.”
Gladys Hrabi of MARCHE, however, offered this explanation for the relatively large disparities in funding levels among different PCHs: “Because funding is based on the median, not actual costs, each PCH must manage within the same per diem rate even though their realities differ. Factors like building age, staffing structure, kitchen setup, and resident complexity all influence spending patterns.
“The difference you found (in spending between two particular homes that I cited in an email to Gladys) likely reflects these operational differences. Homes that prepare food on-site, accommodate specialized diets (cultural i.e. kosher), or prioritize enhanced dining experiences (more than 2 choices) naturally incur higher total costs. Others may use centralized food services or have less flexibility because of budget constraints.
“The current model doesn’t adjust for inflation, collective agreements, or true cost increases. This means many homes, especially MARCHE members face operating deficits and have to make tough choices about where to contain costs, often affecting areas like food, recreation, or maintenance. The large differences you see in food spending aren’t about efficiency —–they’re a sign that the current funding model doesn’t reflect the true costs of care.”
But some of the disparities in funding of different personal care homes really jump off the page. I noted, for instance, that of the six PCHs whose financial statements I examined, the levels of funding from WRHA for the 2024 fiscal year fell between a range of $63,341 per resident (at Golden Links Lodge) to $78,771 at the Simkin Centre – but there was one particular outlier: Southeast Personal Care Home, which received funding from the WRHA in 2024 at the rate of $98,321 per resident. Not only did Southeast Personal Care Home receive a great deal more funding per resident than the other five PCHs I looked at, it had a hefty surplus to boot.
I asked a spokesperson from the WRHA to explain how one PCH could have received so much more funding per capita than other PCHs, but have not received a response.
This brings me then to the issue of the Simkin Centre and the quite large deficit situation it’s in. Since readers might have a greater interest in the situation as it exists at the Simkin Centre as opposed to other personal care homes and, as the Simkin Centre has reported quite large deficits for both 2024 and 2025, as I noted previously, I asked Laurie Cerqueti how Simkin will be dealing with its accumulated deficit (which now stands at $779,426) going forward?
Now, as many readers may also know, I’ve been harping on the extra high costs incurred by Simkin as a result of its having to remain a kosher facility. It’s not my intention to open old wounds, but I was somewhat astonished to see how much larger the Simkin Centre’s deficit is than any other PCH for which I could find financial information.
From time to time I’ve asked Laurie how many of Simkin’s 200 residents are Jewish?
On November 10, she responded that “55% of residents” at Simkin are Jewish. That figure is consistent with past numbers that Laurie has cited over the years.
And, while Laurie claims that she does not know exactly how much more the Simkin Centre pays for kosher food, the increases in costs for kosher beef and chicken have outstripped the increases in costs for nonkosher beef and chicken. Here is what we found when we looked at the differences in prices between kosher and nonkosher beef and chicken: “Based on recent data and long-standing market factors, kosher beef and chicken prices have generally gone up more than non-kosher (conventional beef and chicken). Both types of meat have experienced significant inflation due to broader economic pressures and supply chain issues, but the kosher market has additional, unique cost drivers that amplify these increases.”
In the final analysis, while the WRHA has been providing fairly large increases in funding to personal care homes in Winnipeg, those increases have been eaten up by higher payroll costs and the costs of simply maintaining what is very often aging infrastructure. If the WRHA does not provide any increases for food costs, personal care homes will continue to be squeezed financially. They can either reduce the quality of food they offer residents or find other areas, such as programming, where they might be able to make cuts.
But, the situation at the Simkin Centre, which is running a much larger accumulated deficit than any other personal care home for which we could find financial information, places it in a very difficult position. How the Simkin Centre will deal with that deficit is a huge challenge. The only body that can provide help in a major way, not only for the Simkin Centre, but for all personal care homes within Manitoba, is the provincial government. Perhaps if you’re reading this you might want to contact your local MLA and voice your concerns about the lack of increased funding for food at PCHs.
Local News
Second annual Taste of Limmud to feature Jewish dishes from around the world
By MYRON LOVE Many words in English have multiple meanings. Take the word “taste” for example. There is the literal meaning – the sense of taste; it can also mean sample – or preferences. It can be a noun or a verb.
In “A Taste of Limmud,” the term is used both in its literal meaning – as a sampling of Jewish dishes from different parts of the world, as well as a prelude to our community’s upcoming 16th celebration of Jewish learning and culture, which is scheduled for Sunday, March 15.
This is the second year for “A Taste of Limmud,” which is coming up on Thursday, February 19. The event will be held at the Shaarey Zedek and will feature Jewish dishes from Argentina, Yemen, Turkiye, Aleppo and Eastern Europe, as well as Israel .
“We sold out last year for A Taste of Limmud,” reports Raya Margulets, Winnipeg Limmud’s newly appointed co-ordinator. “We had 120 participants last year. I am hoping to have 150 this year.”
The 2025 debut of “A Taste of Limmud” was actually Margulets’ introduction to the Winnipeg Limmud co-ordinating team. Originally from Israel, Margulets’ first position with the Jewish Federation of Winnipeg was in 2022 when she was appointed Hillel director – after she had served as Hillel student president at the University of Manitoba.
She left her role with Hillel after having served as director for two years to participate in the ten-month online Israel 21c Digital Ambassador program, which is aimed at young people between the ages of 18 and 25. That program is part-time and casual, conducted remotely, intended to provide basic experience in digital communication and storytelling focused on everyday life in Israel.
“I spent a few hours a week working on simple digital content and social media, attended occasional online seminars, and participated in light collaborative projects,” Margulets reports. “The focus was on sharing positive, apolitical cultural stories rather than politics or advocacy.”
She was hired last year to oversee our first Taste of Limmud – as a special project that was funded by the Jewish Foundation of Manitoba.
She was appointed at the beginning of September as Limmud Co-ordinator, replacing Florencia Katz, the original co-ordinator, who stepped away after 15 years in the role. Katz remains a member of the Federation staff as Director of Education and Engagement. She also has a focus on the PJ Library program.
“Florencia was a great mentor and is still a big help to me,” Margulets says.
She reports that the upcoming 16th annual Winnipeg Limmud will once again feature a wide and eclectic range of speakers. “I can confirm that all of our community’s rabbis – as well as Rabbi Benarroch – will be among the presenters,” she notes. “Rabbi Benarroch will be coming from Israel and be here in person.”
Also confirmed thus far are Yaron Deckel, an Israeli journalist and broadcaster, as well as Haskel Greenfield, Distinguished Professor of Anthropology, and Winnipeg’s own Rimon Art Collective. Collective members include young Jewish artists Mishelle Aminov Kosonovsky, Yael Freifeld, Etel Shevelev, Halley Ritter, and Shan Pullan
Stay tuned for further updates as to other 2026 Winnipeg Limmud presenters on this website or go online to keep up to date or register for programs at limmudwinnipeg.org.
Local News
Sharon Delbridge’s annual health & wellness retreats in Puerto Vallarta have become popular with many Winnipeggers
By BERNIE BELLAN Over the years we have revisited stories from time to time – to catch up with individuals who have made a mark in this city and to see where their lives have taken them since the last time we wrote about them.
One such individual is Sharon Delbridge, the youngest daughter of Sol and Rachel Fink, and younger sister to Percy, Shayla (Posen), and the late Sheldon Fink (who died all too young at the age 57 in 2021).
Myron Love has written many times about Sol and Rachel Fink, who continue to amaze for their vitality – with Sol now 101 and Rachel having just turned 99.
As Sharon notes in an email sent to me, “My parents work out everyday. Not at Rady anymore. They do exercise at home & in their condo gym (200 Tuxedo) Move their bodies daily. My mom leads her and my dad daily in movement. It’s incredible.
“They have been a huge inspiration to all of us.”
Aside from the fact that the Fink family was a very musical family, their penchant for fitness is clearly something that rubbed off on Sharon, in particular.
My own wife, Meachelle, who was quite the fitness fanatic herself in her day (not that she’s been put out to pasture quite yet), profiled Sharon for The Jewish Post & News in 2015. In that story, Sharon explained how she came to be one of the most popular and best known fitness instructors, not only at the Rady JCC – where her classes in a wide variety of different areas, were – and still are, extremely popular, but at many other venues throughout Winnipeg.
Here’s part of what Sharon told Meachelle about how she came to teach so many different types of fitness classes:
“I’ve been into fitness my whole life. I come from a very musical family but also a family that always works out. When I was in my 20s I was teaching aerobics for several years as a part-time job while in university. When I had my three children (Milan, Jared and Cassie Ackerman) I ran a hand-painted clothing business in my home called Milan Designs, and I sold to ladies’ and children’s stores all over Canada.
“I was always working out and have loved fitness classes. I went back and got more certifications in my 40s. I’m certified to teach many specialties and have been actively teaching at the Rady for over 10 years. I now specialize in women’s boutique fitness: Zumba, Yoga and Barre classes. The three specialties blend beautifully together and I have a big following of people from all over Winnipeg that come to my classes. I have every Zumba certification that’s available: Zumba, Zumba Gold (for seniors), Zumba Toning (with weights), Zumba Aqua (in water), Zumba Step and Zumba Sentao (using steppers and chairs).
“I’ve taken many yoga certifications through the past 10 years and I’ve been teaching Barre classes, which are the latest and hottest classes for women. I’m always taking new training in these three specialties to continue to stay fresh and always have new and exciting things to present to my class. That’s how I stay unique in my field. I’m always learning and always developing my classes to be the best they can be. I spend tons of time finding the best music and choreographing.
“I truly feel that if you work out and look after your body, you will always have a positive outlook on life. Exercise is a huge healer mentally and physically. I have seen so many incredible changes in women that come to my classes. They have transformed their bodies and live happier and healthier lives.”
It was a year after Meachelle’s article about Sharon that Sharon and her husband, Darcy, began going to Puerto Vallarta for the winter. As Sharon noted, “I started teaching at a Yoga studio the first winter we were here in PV. It’s easy to meet people & build community when you’re teaching snowbirds from everywhere
I love sharing my love for fitness & yoga & moving our bodies.”
But, for six years prior to making Puerto Vallarta her and Darcy’s winter home, Sharon had already been conducting annual one-week health and wellness retreats in Puerto Vallarta. She has continued to conduct those retreats every year since. The most recent retreat was held from January 25-February 1 at the Fiesta Americana All Inclusive Resort.
Here’s how Sharon describes the purpose of those retreats:
“For over 15 years, my Health & Wellness Retreat has brought together women of all ages to reconnect, recharge, and celebrate movement, friendship, and balance. Hosted at a beautiful all-inclusive resort, guests can truly make the week their own holiday experience. While primarily a women’s retreat, many now bring their husbands or partners who are welcome to participate as much or as little as they choose.
“Throughout the week, we offer seven daily classes ranging from sunrise meditation and yoga to toning, Zumba, yin yoga, and our signature Aqua Zumba — which transforms into a high-energy, joy-filled pool party. Each evening, we gather for sunset yoga and take time to celebrate the beauty of the day together.
“The retreat blends wellness with enjoyment, allowing guests to indulge in the resort’s wonderful restaurants and social atmosphere while still feeling strong, energized, and revitalized. It’s a balanced, uplifting experience where participants leave feeling nourished in body, mind, and heart, often forming lifelong friendships. This year, we were proud to welcome 40 participants.”
In the picture accompanying this article you might recognize several Winnipeggers. I asked Sharon how many Winnipeggers were participants in this year’s retreat?
The answer, she said, was the majority (31) were from Winnipeg, while six were from Las Vegas, one from Ottawa and two from Edmonton.
The last two years, Sharon also noted, another well known member of the Rady JCC staff, Dona Watts-Hastings, who’s a physiotherapist, also a yoga and Pilates instructor, has joined Sharon in conducting the retreat. Sharon adds that Dona’s physiotherapy clinic is inside the Rady JCC. Dona also brings some of her clients to the retreat.
I wondered though, how active Sharon is in teaching classes when she’s back in Winnipeg? Does she never tire of teaching so many classes? I wondered.
Sharon’s answer was: “Yes, I’m still in Winnipeg half of the year and I will always teach at the Rady… Zumba, sculpt , yoga & barre class – also spinning if they need me to sub. . I teach at Assiniboine park and other gyms, too. Every morning I teach and often sub other classes. Busy all spring & summer.”
Whew! It’s tiring just reading about everything Sharon does. If you would like to find out more about next year’s health & wellness retreat in Puerto Vallarta and how you might be able to join up, contact Sharon at sharon@freshsoulfitness.com.
To watch a video of what a typical day at the retreat consisted of go to freshsoulfitness
Local News
Jess Pudavick: artist and business executive
By MYRON LOVE Jess Pudavick is a rare individual in that she combines careers as an artist and a business executive.
I first became aware of Jess last summer when she was one of the artists/craftspeople with a display table at the Gwen Secter Creative Living Centre’s annual garage and craft sale. What piqued my interest was her focus on incorporating resins in her art pieces.
Last week, while interviewing Ms. Pudavick at Super-Lite Lighting on Waverley – I learned much more about the multi-talented Ms. Pudavick.
While I have a passion for art,” she notes, “I was not interested in becoming a stereotypical starving artist.”
The daughter of Stuart and Beth Pudavick joined the company (which her father acquired in the early 1980s (along with partners Simon Simkin and Allan Hochman) 17 years ago. Her brother, Ray, also joined the company 10 years ago, Jess notes.
At Super-Lite, Jess’s title is Custom Homes Lighting Consultant. She works with builders, designers and contractors to build the lighting for the home, as well as to choose the right lights for the space. She also manages the company’s social media and website.
“I enjoy working with my dad and Ray,” she says.”I also love what I do at Super-Lite. It is similar to my feelings about my art. You don’t know the end result when you start. It is nice to see something being built from nothing and seeing the end result – and knowing how happy the client is in the end.”.
As an artist, the graduate of Brock Corydon’s Hebrew Bilingual Program, Shaftesbury Collegiate and the University of Manitoba, recalls that she started at a young age. “As a kid,” she says, “I was always doodling and drawing cartoons.”
While she has worked with several different artistic media, she observes that what she likes about creating art with resins is the challenge.
“Resin is a temperamental material,” she points out. “When you start a project, you have no idea what the finished product will look like.”
She explains that there are two ways to work with resin. You can put traditional resin in a mold and wait 24 hours for the resin to dry. Or you can speed up the process by using a UV style resin and exposing the resin to UV rays.
“I prefer letting the resin dry naturally,” she says. “I find I have more control over it.”
Her resin-infused art comes in many forms. She produces earrings and necklaces, candle holders and ashtrays, dice and computer keys. She has also created resin-infused mahjong and rummikub tiles and even sets of dominoes with paw prints. A popular item, Jess says, is a custom coloured/theme wedding set of dominoes.
“People love them,” she says of the dominoes tiles.
(The latter reflects her own passion for dogs for which she is often a foster “parent”. She notes that she also creates resin-infused memory keepsake urns for the ashes/hair or fur of beloved pets – a product that is gaining popularity.)
Then there is the resin-infused coffee table that has a place of honour in her own home. “With my love of plants and resin, my partner and I took our existing coffee table, added various clippings of my own plants and created a fun resin-sealed table,” she recounts. “It really looks cool. It is unique. it attracts visitors’ interest. Every time I look at it, I see something different.”
Jess reports that generally sells her works of art through craft sales and her Instagram page (@thejesso09) for between $10 and $30. Her major source of sales though, she adds, is through word of mouth.
But Pudavick avers that she doesn’t do her art with an eye to sales.
“I create for myself, not for the approval of others. I find it relaxing – a good way to reduce stress. It’s also rewarding to see that others want something you have created.”
She strongly believes that enjoying your work is an important element in being happy. Equally important, she notes, – both in business and art – is to have satisfied customers.