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Stephen Wambua – Kenold Insurance says that there are challenges in every business depending upon the nature of the business. Be it the start-up capital or the competition in the market; be it dealing with the staff or the public, or resolving conflicts — there are lessons to learn each day and the challenges are overcome by taking a bold step ahead and not looking back. He also believes SMEs are very important to the economy. If the SMEs can use good publicity, they can market really well. He dreams of growing from a brokerage to a full insurance company and perhaps even diversify in future.