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Small-business owners tend to be the most relentlessly optimistic people on the planet. So, when they turn gloomy, you know times are tough. In a survey conducted for American Management Services by Boston-based Suffolk University, 81 percent of small-business owners said the country is already in a recession. And half the respondents said they think the economy will get worse before it gets better. Speaking of their own experience, 57 percent said the credit squeeze has directly affected their business.
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