All of the following are programs and resources a small business owner can use to improve his or her ability to compete with other businesses EXCEPT

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Because of the crucial role that small businesses and entrepreneurs play in the U.S. economy, a number of organizations offer programs to improve the small-business owner's ability to compete. These include entrepreneurial training programs and programs sponsored by the SBA. Additional resources include seminars and college courses, local chambers of commerce, national publications, and weekly business journals.

All of the Following Are Programs and Resources a Small