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Thanks to the near collapse of our financial system and the lingering recession that followed, we’re experiencing some of the worst economic times since The Great Depression. Sales are down for most as consumers hoard their cash, fearful of losing their jobs, their homes, or both.

Layoffs, outsourcing and doing more with less are all strategies businesses are employing to survive. All of these steps carry inherent risks and exposures that need to be carefully managed.

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