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Introduction
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Finance
Taxes
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Staff & Benefits
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Management
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Frontier
Headlines

FINANCE
6.16.00    Student Power, Part 1
College entrepreneurs bypass work-study programs and head straight to business ownership

MANAGEMENT
6.16.00    The Internet as a Small-Business Edge
It offers a universe of outsourcing opportunities and a chance to focus on your core business

IN BOX
6.16.00    "We're Talking Simple Slowdown, Not Recession"
The latest NFIB survey finds less confidence amid signs of a "soft landing"

MANAGEMENT
6.16.00    Spies Like Us
You don't need to be James Bond or IBM to use competitive intelligence. Here's how it works

FACTORY DAYS
6.16.00    Getting Personal with Personnel
One important management lesson: Just be there — in good times and bad

IN BOX
6.16.00    Time to Nail Down Loans
Banks are tightening standards on small-business borrowing

TECHNOLOGY
6.15.00    Altering the Writing on the Wall
How does a small family firm in the fountain-pen business survive the pen's extinction as a business tool? With technology

HERS.ONLINE
6.15.00    Tips for Women in Search of a Business Loan
Banks are earmarking billions for financing women-owned businesses, but female borrowers need to do their credit homework

SMART ANSWERS
6.15.00    Profit by Associating with Your Peers
Becoming a member of an industry trade group can help get your startup off the ground

IN BOX
6.15.00    Can't Get No Satisfaction Online
Net-based B2B is booming — and so are complaints from small-biz customers

FINANCE
6.14.00    Looking for Angels among B-School Alumni
UniversityAngels.com is out to link grads with cash to new alumni-run ventures that need some

WORK & FAMILY
6.14.00    Why Isn't Everything Enough?
This mother has a strong business, a full-time nanny, a part-time job — and she's still not happy

IN BOX
6.14.00    Send Tech Help — Fast!
A new survey finds smaller companies are less able to compete for the dwindling pool of techies

ENTREPRENEUR PROFILES
6.13.00    At Your Service
Corporate concierge Andrea Arena earns big bucks by sweating the small stuff

SMART ANSWERS
6.13.00    How to Run a Lean, Mean, Manufacturing Machine
Some tricks for keeping the customer happy and the stock rotating

DIGITAL MANAGER
6.12.00    The No-Talent Show
Hiring competent techies just gets harder. Here's how to deal with it

BOOK EXCERPT
6.12.00    Jack Trout: Differentiation Often Requires Sacrifice
From"Differentiate or Die: Survival in Our Era of Killer Competition"

TECHNOLOGY
6.12.00    Paper Trail
Two companies make sending documents, designing stationary easier

MY COMPANY
6.9.00    My Rival, My Partner
Like many small companies, ours has been forging alliances with competitors to win more business

NET JOURNAL
6.9.00    Getting in Touch by Going Deskless
Being a corporate nomad gave me a different vantage point -- and helped me reconnect with workers

MANAGEMENT
6.9.00    Worker Privacy: When to Butt Out
It may be legal to monitor employees, but that doesn't mean you should

TECHNOLOGY
6.8.00    Taming the Techno Beast
Technology is running wild. Learn to manage change, or you'll get eaten alive

SMART ANSWERS
6.8.00    When Your Card Processor Turns On You
You don't have to put up with late payments and high fees

IN BOX
6.8.00    Older and Wiser
Experience leads to more patience and teamwork

ENTREPRENEUR PROFILES
6.7.00    Erasure Head
David Cohen's Edgewise makes millions recycling tape

WORK & FAMILY
6.7.00    To Succeed, Get Out of Your Own Way
How to overcome common problems that keep entrepreneurs from moving to the next level

TECHNOLOGY
6.7.00    A Help Desk for Hapless Computer Users
This new service helps pick up the pieces after your PCs crash

MANAGEMENT
6.6.00    Now Boarding: Small Businesss
Travel services are rolling out the red carpet once reserved for big customers

SMART ANSWERS
6.6.00    How Public Should a Private Company Be about Its Stock?
The SEC doesn't have rules covering this question, but honesty is the best policy when dealing with employees

STAFF & BENEFITS
6.6.00    How It Can Pay to Teach
A new study finds that employees value training that focuses on the basics

FINANCE
6.5.00    Banks Put Out the Welcome Mat for Women
Lenders are earmarking billions and making the process more inviting

BOOK EXCERPT
6.5.00    Price Cutting Is Poor Marketing
From"Differentiate or Die: Survival in Our Era of Killer Competition"

IN BOX
6.5.00    Reviving an Old Pension Plan
New IRS rules make it easier to set up defined-benefit plans

FACTORY DAYS
6.2.00    When You Take "Industrial Arts" Too Far
You learn that brash colors and clever names don't sell complex machinery

ONLINE EXTRAS
6.2.00    Online Extras for Print Subscribers
More articles and links related to stories from the June 12, 2000, edition of  frontier

TECHNOLOGY
6.2.00    Before You Put That High-Priced Geek on Your Payroll...
With the talent pool so thin these days, you better check credentials carefully

STAFF & BENEFITS
6.2.00    Fight Back Against Rising Health-Care Costs
Regional and trade groups wield more clout in price negotiations

MANAGEMENT
6.2.00    Getting the Government to Chip In for Your Invention
Agencies offer funds earmarked for small business innovation and research

IN BOX
6.2.00    Credit-Card Crackdown
Processing firms slap small biz with a high-risk label and high penalty fees

SMART ANSWERS
6.1.00    Hot Machines for Cold-Callers
Telemarketing tools don't come cheap, so pick the right one

IN BOX
6.1.00    Lights! Camera! Bureaucrats!
The SBA gives a green light to funding filmmakers

WORK & FAMILY
5.31.00    From Here to Maternity
A pregnant entrepreneur, whose business depends on her, dreads the thought of closing shop when baby arrives

ENTREPRENEUR PROFILES
5.30.00    Over a Barrel
What's a supplier to do when she's on the wrong side of cheap oil contracts? Juggle, cut costs, and pray

NET JOURNAL
5.30.00    Not an Easy Move — Even for a Real Estate Company
Our fast-growing company can forget the June move-in date to our new headquarters

IN BOX
5.30.00    Grab a Partner!
The hottest small technology companies plan an alliance explosion

FINANCE
5.26.00    Biased Business Lending?
Critics say discrimination against women and minorities is built into banks' credit-scoring models

WORK & FAMILY
5.26.00    Getting a Boost from "Slow-Track Moms"
Savvy women who've scaled back their careers have plenty to offer smart small businesses

IN BOX
5.26.00    Small-Biz CEOs' New Worry: Self-Confidence
A new survey finds one-third have doubts about their ability to lead

FINANCE
5.25.00    Credit Scoring: What Your Lender Won't Tell You
You can change your bank's "no" to a legitimate "yes" — if you know how computerized loans work

SMART ANSWERS
5.25.00    Renegotiating a Loan, from a Weak Position
The trick is to convince your lender that your business is worth more alive than dead

GOING GLOBAL
5.25.00    Cuba: An Island of Dreams for Entrepreneurs
Enmities are put aside as young business owners exchange ideas

ENTREPRENEUR PROFILES
5.24.00    The Sound of Money
Dane Davis parlayed a fascination with noise into a multimillion-dollar business—and an Oscar

WORK & FAMILY
5.24.00    When Does Independence Day Arrive for a Teen?
How to deal with a 16-year-old's dislike of his vacation job in the family business

IN BOX
5.24.00    Why You Should Get a Loan — Now
Rising rates and tighter standards are finally working their way into small-business financing

VENTURE CAPITAL
5.23.00    VCs Aren't Easy Marks Anymore
A weak stock market means entrepreneurs face tougher negotiations and lower valuations

VENTURE CAPITAL
5.23.00    Public Access Denied
How Fallout from the IPO Market's Crash Is Hurting Entrepreneurs

SMART ANSWERS
5.23.00    How Do I Pick the Right Incubator?
Nonprofits offer more hand-holding, while for-profits like fast growth and take a chunk of your business

WHAT WORKS
5.22.00    Yes, You Can Take a Vacation
It's good for you and your company. Here's how to make time

BOOK EXCERPT
5.22.00    Jack Trout: An Overload of Choices Can Kill Your Company
From "Differentiate or Die: Survival in Our Era of Killer Competition"

IN BOX
5.22.00    Jack Trout: An Overload of Choices Can Kill Your Company
From "Differentiate or Die: Survival in Our Era of Killer Competition"

FACTORY DAYS
5.19.00    Getting My Staff to Work Miracles
Turning around my company hinged on getting workers involved

MANAGEMENT
5.19.00    The Anti-Organizer
Dallas lawyer Jim Karger says small companies can avoid unions by taking their issues to heart

IN BOX
5.19.00    What E-Mail Job Applications Say About You
Digital resumes gain favor over fancy printed documents

STAFF & BENEFITS
5.18.00    An Overhaul of the Overtime System is Long Overdue
Old rules haven't kept up as the New Economy blurs the lines between manager and employee

SMART ANSWERS
5.18.00    How to Make a Payroll Service Pay Off
Look for accuracy, timeliness, and a wealth of services

PERSONAL BUSINESS
5.18.00    For Merrill, Small Is Bountiful
The giant is courting business owners—and gaining assets

FINANCE
5.18.00    First Union Turns Gold into Straw
Its inherited small-biz unit, once a star, needs rescuing

IN BOX
5.18.00    Small Companies Finally Can Raise Prices
But there's a cloud in this silver lining because costs are up, too

TECHNOLOGY
5.17.00    Clint Eastwood Explains His Beef with the ADA
He supports the act but wants to amend it to give small-business owners time to comply before they're sued

MANAGEMENT
5.17.00    A Friend at the Fed
Edward Boehne has looked out for small business. Now, he's leaving

WORK & FAMILY
5.17.00    Some Entrepreneurs Just Don't Know When to Quit
How to rein in out-of-control work hours

IN BOX
5.17.00    The Fed Barks, but It Doesn't Bite — So Far
Rates on small business loans have a long way to go before real pain sets in

DIGITAL MANAGER
5.16.00    Bundling Bargains
Take advantage of packages that tie together cheap voice services with pricier data options

SMART ANSWERS
5.16.00    It Pays to Advertise — Again and Again and Again
But a magazine must do some advertising of its own to make the point clear

TECHNOLOGY
5.16.00    A Classy Laptop with a Pedigree
IBM's T20 successor to the innovative ThinkPad 600 is lighter and thinner

TECHNOLOGY
5.16.00    A Low-Risk Strategy for Managing Tech Change
One-stop services are good in theory; now if they can only execute

IN BOX
5.16.00    Summer Interns for Small Business
Labor crunch? Get a helping hand in return for training disadvantaged students

MANAGEMENT
5.16.00    Sites to See: The Best Online Travel Services
Where to compare prices, find last-minute bargains, and let off steam

MANAGEMENT
5.16.00    How to Put Your Meal Budget on a Diet
Tips and Web sites for helping you find "great, simple food" places anywhere

TRENDS
5.16.00    Parting Words from the Fed's Friend of Small Business
Edward G. Boehne says policymakers are paying more attention to entrepreneurs

DIGITAL MANAGER
5.16.00    Before You Grab One of Those Bundled Telecom Deals
An all-in-one service plan can turn into an all-or-nothing gamble

VENTURE CAPITAL
5.15.00    Market Jitters Haven't Shaken Venture Capitalists
A survey of first-quarter financing finds the value of new deals surging to new record highs

GOING GLOBAL
5.15.00    Land of Opportunity
Capitalizing on chaos, Ian Bremmer opens doors for foreign business in Russia

PERSONAL BUSINESS
5.15.00    Getting in on the Angel Game
Angel clubs are building networks of wealthy, well-educated women—something that's long overdue

IN BOX
5.15.00    What's Done Is Dun
A new Web service tracks your billable hours — and then collects

NET JOURNAL
5.12.00    Real Estate's Old Guard Meets the New Kid on the Block
ZipRealty's founder survives a close encounter — and may even have won a few friends

BOOK EXCERPT
5.12.00    A Manifesto for a Work-Family Truce
From "Work and Family — Allies Or Enemies?"

TECHNOLOGY
5.12.00    Keeping Hackers Out of Your Server
Being small doesn't mean you're immune to digital mischief

IN BOX
5.12.00    Startups Lose Their Allure for New Grads
The current crop rethinks its love affair with dot-coms and stock options

TRENDS
5.11.00    Riding the Greenback
You can play the strong dollar to a stronger bottom line

SMART ANSWERS
5.11.00    When a Home Office Serves Two Masters
If you're employed and run a business on the side, watch out for tax pitfalls

IN BOX
5.11.00    Checking With Interest?
Congress takes up a bill to make these accounts pay off for small biz

MANAGEMENT
5.11.00    Can We Stop Having Fun Yet?
Workers—and their families—can do with less company-sponsored merriment

MANAGEMENT
5.11.00    Schmooze Tuesdays
Can the Networking sessions First Tuesday become a profit-driven business?

ENTREPRENEUR PROFILES
5.10.00    Building a Nest for Fledgling Dot-Coms
Debra Larsen's TechSpace gives Big Apple startups all they need to get going

WORK & FAMILY
5.10.00    Small Businesses' Family-Family Edge
A Wharton professor says the flexibility to give each employee what he or she needs is key

IN BOX
5.10.00    A Former Treasury Czar Gets Dot-Com Fever
But Donald Regan says he'll follow the old-school way: Profits before an IPO

MANAGEMENT
5.9.00    From Tragedy to Small-Biz Triumph
Georgia Berner learned about business on the job, when she inherited her husband's plant
Third in a series on women entrepreneurs and how they run companies


SMART ANSWERS
5.9.00    Budgeting for Growth
Keep short-term goals flexible, and shift resources to match your targets

IN BOX
5.9.00    A Go-fer of Your Own
For online concierge Mylackey.com, service is a noble calling

STAFF
5.8.00    Foreign Aid
Hiring abroad can ease your labor woes—if you can handle a bewildering bureaucracy. Here's how

MANAGEMENT
5.8.00    I-Way Bumps
Many e-tailers make glaringly similar mistakes

IN BOX
5.8.00    A Job for Social Workers in High Tech
A reader responds to Scott Kucirek's column about finding a human resources exec

FACTORY DAYS
5.5.00    Techno-Mom: How I Nurtured Two Healthy Technologies
Only a proud entrepreneurial "parent" could get dewy-eyed about Cavity Ring-Down Spectroscopy

BOOK EXCERPT
5.5.00    I Make a Great Living. How Come I Feel Like a Lousy Parent?
From "Work and Family — Allies Or Enemies?"

IN BOX
5.5.00    From Cubic Zirconium to Online Health
QVC's founder heads to the Net to help people quit smoking

TRENDS
5.4.00    Spilling Your Health History Online
Two dot-coms' ideas for cutting employers' health costs raise powerful privacy issues

SMART ANSWERS
5.4.00    SAR-SEP: The Retired Retirement Option
You can't start one anymore, but small companies have plenty of other choices

IN BOX
5.4.00    Job Hunters Say the Darndest Things
Pearls of wisdom(?) from resumes

MANAGEMENT
5.3.00    Yes, Women Do Run Businesses Differently
Contained growth and work-family balance are hallmarks of their style
Second in a series on women entrepreneurs and how they run companies


WORK & FAMILY
5.3.00    When Clients Call 911
Make guidelines for what constitutes an emergency — and stick to them

IN BOX
5.3.00    Jump Off the Banner Bandwagon
New software speeds up Web-page transmission by ousting ads

MANAGEMENT
5.2.00    A High-Tech Honcho Who Says No to Hypergrowth
For Lurita Doan, life and business got a lot better after she constrained her company's expansion
First in a series on women entrepreneurs and how they run companies


SMART ANSWERS
5.2.00    All Tied Up: A Look at Noncompete Agreements
Each state has different laws, so make sure you know the ropes before you sign

IN BOX
5.2.00    Fending Off Hackers with Knowledge
Web-security resources for small business

MANAGEMENT
5.1.00    How a Legal Eagle Landed at Findlaw.com
New CEO Steve Robinson talks about his rather radical job change

DIGITAL MANAGER
5.1.00    Click Here for HR
New application service providers are helping businesses manage human resources online

IN BOX
5.1.00    A Burger, Fries, and...a Web Cam?
Now you can chow down and send mom some digital video

NET JOURNAL
4.28.00    On the Road Again
The worst part of expanding your business is the travel

BOOK EXCERPT
4.28.00    Rigid Gender Roles Thwart Efforts to Balance Home and Career
Excerpt from "Work and Family — Allies Or Enemies?"

IN BOX
4.28.00    Main Street Rides the Cyber-Bandwagon
Downtown businesses are going online — and thriving

MANAGEMENT
4.27.00    Containing Your Risk
And you thought insurance was dull? The New Economy has bred new threats and thus new forms of coverage. Do you need any of it?

SMART ANSWERS
4.27.00    Business Death and Sales Taxes
Bankruptcy won't erase your obligations

IN BOX
4.27.00    Profit-Minded Professors
Entrepreneurship profs can be a low-cost source of advice

COMMENTARY
4.26.00    Why the E-Tailing Shakeout Is So Sweeping
Venture capitalists took many Amazon-wannabes public too fast. Now investors are much warier of Net startups

WORK & FAMILY
4.26.00    Is Too Much Equipment Hurting Your Love Life?
A home-based designer says clutter doesn't makes dates' hearts flutter

IN BOX
4.26.00    New Bean Counters Favor Small Biz
Even big companies admit that startups are now luring finance grads

STAFF & BENEFITS
4.25.00    How to Hook an MBA — Right Out of B-School
Tips for fitting a small business' needs into the B-school placement ritual: A Q&A

SMART ANSWERS
4.25.00    Beware the Financing Roller-Coaster
Give up equity in your startup or take on debt? Each has its ups and downs

IN BOX
4.25.00    Vintage Wisdom Decanted
Negotiating tips (reissued) from a diplomat at Louis XIV's court

TRENDS
4.24.00    Selling Their Souls to Be in Silicon Alley
It's not easy — or cheap — for cyberspace entrepreneurs to find office space in the Big Apple's trendiest areas

WORK & FAMILY
4.24.00    Unplugging from the Endless Workday
Home-office technology can enslave you if you don't learn to turn off the equipment

IN BOX
4.24.00    Will Work for Millions
Today's grads don't plan on starting in your mail room

FACTORY DAYS
4.21.00    Do Clothes Make the Woman Executive?
Nope. But they sure can work against you, as MEECO's CEO found out

MANAGEMENT
4.21.00    Know Thy Customer
Many B2B sites fail because their developers don't understand the businesses they hope to serve

IN BOX
4.21.00    A Slowdown's Silver Lining
Maybe it will relieve discouraged-employer syndrome

ENTREPRENEUR PROFILES
4.20.00    Crunch Time
If you're not worried about a big rival eating your lunch, look what happened to Guiltless Gourmet after Frito-Lay entered its market

SMART ANSWERS
4.20.00    Debunking Myths about OSHA Rules
Small businesses are often afraid even to simply ask the agency for information

IN BOX
4.20.00    For E-Merchants, Patience Is More Than a Virtue
It's a necessity, according to a study about cybershoppers

GOING GLOBAL
4.19.00    A Chinese Puzzle: What Do Beijing's Net Policies Mean?
Jason Wu's encryption software company is at the center of China's ambivalent Web strategy

WORK & FAMILY
4.19.00    You Want to Be a Wife, Mother, and a Full-Time Entrepreneur?
Take action now to prevent the crisis that's sure to come otherwise

IN BOX
4.19.00    Capital-Spending Plans Turn South, Slightly
Businesses say they'll tighten their purse strings in coming months

SMART ANSWERS
4.18.00    Tracking Down the Right Call-Tracking Software
You'll find plenty of options for this key customer-service product. Here's what to consider

IN BOX
4.18.00    Even as Nasdaq Drops, Entrepreneur Optimism Rises
The NFIB's optimism index rebounded in March, shrugging off the stock market's woes

ENTREPRENEUR PROFILES
4.17.00    Savings Grace
Liz Davidson teaches women to be more financially secure

IN BOX
4.17.00    When the Cure Hurts More
Feeling the pinch of the inflation remedy

GOING GLOBAL
4.14.00    Currency Risk: A Constant Companion If You Do Business Abroad
Here are some alternatives to doing business exclusively in dollars

NET JOURNAL
4.14.00    Hunting the Elusive Recruiting Manager
It took nine months of searching and some creative thinking to find the right one

MANAGEMENT
4.14.00    Insuring Yourself Against Online Mishaps
A look at some policies that will cover you on the Net

STAFF & BENEFITS
4.14.00    Will Congress Ease the Shortage of Work Visas?
Pressure mounts to make more available, but perhaps only for big companies

BOOK EXCERPT
4.14.00    Is the CEO Whose IPO Hit It Big a Mythical Creature?
Excerpt from Net Slaves: True Tales of Working the Web

IN BOX
4.14.00    What's Hot in Business Book Themes? Antarctica
Can the voyage of the Endurance and tales of penguins motivate executives?

MANAGEMENT
4.13.00    When a Big Competitor Enters Your Market
An interview with Debra Koontz Traverso, author of "Outsmarting Goliath"

SMART ANSWERS
4.13.00    What Does It Cost to Launch a Consultancy?
You'll find out by doing some legwork. One tip: Avoid long-term commitments until your company is viable

IN BOX
4.13.00    Small Biz Speeds Ahead in Car-Related Benefits
From on-site parking to company cars, they mostly outdo big businesses

WORK & FAMILY
4.12.00    Working from Home: A Single Mom Starts from Scratch
What are the available options? And how can she avoid being taken by a scam? The second of a two-part series

ENTREPRENEUR PROFILES
4.12.00    Make 'Em Laugh
Former comic Scott Bloom turns dull meetings into lively quiz shows that get workers involved

IN BOX
4.12.00    Got a Money Gripe? Settle Online
A new Web site can mediate simple disputes for small businesses

SMART ANSWERS
4.11.00    If You're Off the VCs' Beaten Path
Companies outside the high-tech hubs can have a tough time attracting investors

MANAGEMENT
4.11.00    I Enjoy Being a...Girl Entrepreneur?
The Seed Handbook: The Feminine Way to Create Business takes a wrongheaded school of thought to its extreme

IN BOX
4.11.00    The Postal Service's Bid to Stay Cyber-Relevant
It's exploring new ground with an online bill-paying venture

GOING GLOBAL
4.10.00    China's Two Big Portals Will Go Public, Sort Of
Beijing will allow their IPOs, but they can't include their mainland operating subsidiaries

MY COMPANY
4.10.00    Soft in the Head
I thought it would be better, and cheaper, to create our company's own software from scratch. I was so wrong

IN BOX
4.10.00    How Family-Friendly Is Small Biz?
A new survey counts the ways — it isn't

FACTORY DAYS
4.7.00    A Year in Banking Purgatory
How my healthy company ended up on the bank's workout list

BENEFITS
4.7.00    The Real Reasons Small Companies Lack Pension Plans
Many don't know enough about the options or don't think plans are important

BOOK EXCERPT
4.7.00    The Social Workers of Cyberspace: Hosts, Guides, and Experts in Obscure Lore
Excerpt from Net Slaves: True Tales of Working the Web

IN BOX
4.7.00    What's Cookin' on Today's Menu of Worker Benefits
A look at the perks that employers are offering now

TRENDS
4.6.00    Market Turmoil? These Dot-Commers Just Party On
At soirees surrounding L.A.'s Internet World confab, nary a word about paper losses, bursting bubbles, or job security

SMART ANSWERS
4.6.00    When It's Time to Sell the Dunkin' Donut Franchise
What a savvy owner should know before putting a store on the market

IN BOX
4.6.00    George Giokas' Web Site Headaches Were Worth It
Readers chip in with some praise and advice for his overhaul

WORK & FAMILY
4.5.00    Single Mom, Disabled Child...
A home-based business doesn't always offer as much flexibility as you think — or need
Part one of a two-part series.


GOING GLOBAL
4.5.00    Idealab! Goes Abroad
The opening of a London office — its first international branch — comes on the heels of a $1 billion financing round

IN BOX
4.5.00    Scott Kucirek's Column Was Food for Thought
Comments from readers on a recent Net Journal entry

MANAGEMENT
4.4.00    Remote Control
As the virtual workforce grows, so does the challenge for managers. Here's how to keep it together

SMART ANSWERS
4.4.00    Finding a Bean Counter You Can Count On
Small firms give extra attention, but only the biggest handle IPOs

IN BOX
4.4.00    Need More Finance Staffers? You're Not Alone
CFOs everywhere are hiring, with some regions extra hot

MANAGEMENT
4.3.00    Elective Surgery
How to trim health-care costs? A "split funding" strategy may be just what the doctor ordered

DEAR DIARY
4.3.00    Build a Web Site, Cure a Swelled Head
You wouldn't think putting your business online would be so humbling an experience

IN BOX
4.3.00    Startups Are a Few of Lenders' Least Favorite Things
The folks with the money would rather lend it to manufacturers and distributors




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