For Carla Ketner, an offhand comment from a friend started it all. Ketner, owner of Chapters Books & Gifts in Seward, Nebraska, never intended to own a business. That changed a few years ago, on a shopping excursion to Nebraska City, about 90 minutes from Seward. "We were in The Book Clinic and my friend said, 'You should open a bookstore in Seward.' I said, 'Yeah, right. I don't want to work that hard.'"