Mayor Of Bankrupt California City Explains Where She Failed
Charles' Murray's Losing Ground was that most incentives in life are negative, in that if you don't do X you will starve or freeze or whatever. Thus, you learn to be thrifty, nice, and hard working to simply get by.
The most common complaint by businesses as to why they fail is that their banker stopped lending or seized their collateral; if they just had more time things would have turned around.
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