Over Valentine’s Day dinner last year, Randy Clifton and his wife, Karyn, decided the fate of the trucking company that had been Randy’s pride and joy for a decade.

The odds were stacked against the third-generation trucker. That same month, the bank froze his credit line and his insurance costs doubledthe result of a multimillion-dollar jury verdict for a 2015 accident involving a truck and driver for a motor carrier that Clifton’s company, RCX Solutions Inc., had brokered with to haul a load of cosmetics in an RCX trailer.

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