How do YOU differentiate between Owners, Design Professionals, and Contractors?

Perhaps the simplest way to approach this is to tell a story explaining how an individual, an Owner, developed a successful facility to conduct his/her business venture.

The Owner had an idea one day that if and only if there was the right location with plenty of customer traffic, a new business venture could be launched that would benefit the community as well as be profitable. The new idea needed to be incubated to see if the Banker would buy-in...