The business model was unique, totally different, and self-originated from the one on my other character that was discussed in discord dms between the other guy. He wanted to make a business dependent on construction which would have resulted in taxable income being produced. After the threat, I decided to make a new business model which would be able to derive non-taxable income using banking and insurance. The main point is that I did not want to have taxable income as a source of revenue for my business which makes it totally different from the other guys plan.