@clive, I echo @Brucanna in saying you are in no trouble. It’s just that once topics get past a certain length (maybe a dozen posts), people don’t read the entire thread, so they tend to go astray. Many unrelated comments typically creep in. In this case, you were the seventh person to start a “subtopic” within the thread. The topic was about payroll tax and liabilities, and SBE only came up in helping one person resolve a related problem. Your question did not seem to be related to payroll, but to SBE itself.
As a relatively new user, I strongly recommend reading through the Guides, even those that may not seem directly related to your questions, as that will help you get the feel of the program. And I especially recommend experimenting with a test company.