Today's business climate is definitely challenging. The dizzying pace of change brought on by plummeting sales figures and higher costs for just about everything has resulted in a crunch on operating budgets not seen in decades.

The question of what to do about balancing business performance in a tough market brings a plethora of challenges — and opportunities.

A key cost that is frequently overlooked during hard times is increased incidences of injuries due to a number of discernable factors. A few examples:

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