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Unquestionably, 2009 was a most unpleasant year for small employers. NFIB's Small Business Economic Trends monthly documented their economic struggles and the resulting picture was consistently grim. Yet, fundamental questions remain about the small business condition, questions that require informed answers prior to formation of appropriate policy response. Credit access occupies a central position in this regard. Yet, the focus on credit does not stem from data, for there is a near vacuum of that, but from anecdote, speculation, and the lack of policy alternatives to address an immediate, pressing situation.
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