Ease of Doing Business for MSMEs: 2019 was one of the best years for Subhash Goyal’s business-to-business travel and tourism marketing company STIC Travel. The company was the exclusive General Sales Agent (GSA) — a sales representative of a company in a specific region or country – for 11 international airlines in India along with four cruise companies, and three car-rental companies. It also worked with the Indian Railway Catering and Tourism Corporation (IRCTC) for its luxury trains in the country. As Covid-related restrictions grounded the travel and hospitality industry almost overnight in 2020, STIC also nosedived.