Question for practising CAs (text replies only, no calls, no sales): when you think about your clients' month-end, which one hurts you most? 1) chasing invoices/bank statements, 2) warning clients about the 45-day MSME payment rule (43B(h)), 3) GST notices and replies, 4) ITC mismatches with supplier returns, 5) something else. Reply with a number and one line on why. I'm building a small tool and want to hear it from you before I build anything more. I'll post the results here.