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Top small business challenges

Question
What are the greatest challenges small businesses report? 
Answer
Below is a list of the challenges most small business report as of 2006, based on research conducted by Dr. William Dunkleberg, Chief Economist at the National Federation of Independent Business (NFIB).

1. Finding and hiring qualified employees
2. Cost and availability of health insurance
3. Government regulations
4. Access to capital 
 
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