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we run a small business which used to hire 8-10 persons.We feel lucky now to make a machine payment,utilities, hire a secretary & 1 man. We never used credit for paychecks but have been in business for 41 years.Many of our competitors are laid-off by 100 persons -plus.Healthcare is coming, more taxes too.If any business comes we will hire contract laborers.About half of the US pays ZERO taxes.....suddenly we are the only ones we know who are paying taxes.Hmmmmm