Dale Carlsen was about 24 years old and had been merely selling mattresses, but finally Dale got frustrated and went into the biz for himself. He was coming up on having to make a payment on the loan for his new, tiny mattress company. He didn't have much money, and this loan was at over 20% interest, ok? Worse was that Dale had chosen the location of his first mattress store in gritty South Sacramento, near Sac State, alongside some train tracks, next to a flea market. He'd thought the flea market foot traffic would bring customers, but in fact...