oliver spencer there. the long run. oliver spencer there- a _ the long run. oliver spencer there. a huge _ the long run. oliver spencer there. a huge debate, - the long run. oliver spencer there. a huge debate, the l there. a huge debate, the fashion industry and sustainability, one that we cover many times on this programme. let's stay on the theme. small businesses are the lifeblood of many economies, representing nine in ten of the world's businesses and employing half of all workers. according to the world bank, there are around 400 million small businesses worldwide. technology has dramatically changed the lives of small businesses, helping to ease the burden of admin such as payroll, accounting and invoicing. the advancing in technology has been a huge blessing. set up in new zealand, xero is a specialist in online accounting software, particuarly for small business. and the company's ceo, sukhinder singh cassidy, joins me now live from san francisco. welcome to the programme. my dad had his own business and i used to help with his account and i also did my late husband's ac