The decision not to appeal caps a bad week for the Saints, who were relegated from the Premiership on Saturday.

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Historically the first to bear the brunt of a bad economy, small-caps are often the first to bounce back.

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Watchdog groups warn the savings may not last because the crop insurance has no caps, and in bad crop years, the cost to taxpayers could explode.

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Smaller, though, is riskier, given that small caps have low liquidity and share prices that can fluctuate wildly on a wee bit of bad news.

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