If you own a nail salon, you have probably heard the news. The owners of a large nail salon chain — more than 60 locations — pleaded guilty to federal tax crimes for paying staff under the table. Court records describe more than $116 million in cash compensation that was never reported to the IRS. Since that news broke, we have heard the same reaction from owner after owner: "I'll just pay everyone 100% on check." We understand the fear. But that is not the fix — and reacting