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pdf. Then there is the complication of considering the industry of the small business when examining failure and bankruptcy. The rates of failure can vary considerably across different industries; in the fourth quarter of 2009, the failure rates for service firms were half that of transportation firms. Equifax Study Shows the Ups and Downs of Commercial Credit Trends, Equifax, 2010, accessed October 7, 2011, R/pdfs/CommercialFactSheetFN3810. pdf. The second issue associated with small business failure is a consideration of the time horizon. Again, there are wildly different viewpoints. The Dan River Small Business Development Center presented data that indicated that 95 percent of small businesses fail within five years. Don Bradley and Chris Cowdery, Small Business: Causes of Bankruptcy, July 26, 2004, accessed October 7, 2011, fall/16. pdf. Dun and Bradstreet reported that companies with fewer than twenty employees have only a 37 percent chance of surviving four years, but only 10 percent will go bankrupt.

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The unemployment rate is a major indicator of the degree to which the economy provides jobs for those seeking work. It is a key consideration policy makers use to determine whether economic growth should be stimulated or restrained through fiscal and monetary policies. The unemployment rate is also used to analyze the tradeoff between unemployment and inflation, which is referred to as the Phillips Curve. In theory, there is an inverse relationship between unemployment and inflation: when unemployment declines, inflation rises, and when unemployment rises, inflation declines. But this is not a one to one relationship, nor is it equally applicable when the economy is functioning at high and low unemployment. In general, the Phillips Curve is most consistent with the theory at low rates of unemployment and inflation. Recessionary times hit the inexperienced hardest and the figures support this statement as just a quarter of people aged between 15 and 24 are working in Ireland today, down from half before the crash, as reported by The Irish Times ot only is Irish population growing but it is growing rapidly, however there has been a decrease of 130,000 people in the 15 24 age group since 2006 and the data show that this is as result of emigration and not low birth rates in the early 1990s. Despite all this it seems that young people remain optimistic about the future. Interestingly, since early 2009 Amrach Research has been conducting a monthly poll in an effort to monitor the nations mood. On average, the poll has shown that about 6 out of 10 young people are generally optimistic and about 40 per cent of them believe the economy will be on the up in 12 months, compared with just over 20 per cent of older people. Their optimism could be explained by the fact that just over a quarter of young people that have left employment, in recent years, are officially unemployed, meaning they are actively seeking work.

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There are organizations of piercing artists that will ensure the safety rules are followed that prevent you from incurring health risks as a result of a lip piercing. In addition, you should always choose a piercing salon that has piercing artists that sanitize their hands prior to doing a lip piercing and that is clean. You also need to ensure that they use needles that have been sterilized needles and are in sealed packages, Don't get a lip piercing with a piercing gun. Don't forget that a piercing gun can't be sterilized and they will likely cause you to get an infection as a result of your lip piercing. Prior to selecting any of these placements, it is a good idea to determine what it would be like to have them on your mouth. The reason for this is that you don't want a lip piercing that might change the way you drink, eat, or speak. In addition, you may also have lip jewelry such as a labret stud place above the upper lip. Another option is to choose for a type of piercing that consists of two lip piercings in either side of the upper lip. With this type of lip piercing only labret studs' type of lip jewelry can be used for this type of lip piercing. Although lip jewelry may give you a bad boy or bad girl image, lip piercing is no joke. Your decision to jet lip jewelry has consequences and risks that nay result in your regretting the decision later.