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PIB TIP: AVOID FRIVOLOUS SPENDING. The average ATBS client nets only 32 cents for every dollar of gross revenue, hence, 68 cents per dollar earned goes toward vital business expenses. Heeding that ratio can help you resist a frivolous spending spree the next time you have a big settlement check. The Partners in Business program is produced by Overdrive and the consultants at ATBS, the nation’s largest owner-operator business services firm, and is sponsored by Schneider National Inc. and Freightliner Trucks. strives to maintain an open forum for reader opinions. Click here to read our comment policy.