The challenges of 2011/12 have been more worrying than ever before. There are some real reasons for this. Italy and Spain are in preparation to sell debt amid concerns that Europe's fiscal crisis is infecting bigger economies, debt levels are more than 25% higher than the Great Depression and the US - well, we are all aware what is going on there.
For many small business owners, we are now down to the business end of the year.
To make a dollar or for some, to survive another year.