For those who do own a small business, it's been difficult to finance inventories and make payroll, or expand if things are going well.
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Given the sovereign debt turmoil in the Eurozone and the approaching debt problems for the US (as the US debt-to-GDP figures escalate over 100% by mid-2012 without accounting for state unfunded pension liability), debtor nations will find it difficult to finance large-scale consumption economies any longer.
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It was always going to be difficult for finance ministers from the Group of 20 to satisfy the call for a substantial plan of action to tackle the global financial crisis.
The complexity of structured finance made it difficult to know how losses would cascade down the ladder of investors in securitised assets.
"Bringing in someone young or from the private sector was probably very difficult as the Finance Ministry has to deal with all sorts of vested interests and you want someone with experience, " said Takuji Okubo, senior economist at Goldman Sachs in Tokyo.
If the only result of these developments in the U.S. capital markets is to make it more difficult for global bad actors to get the funds with which to finance their odious operations around the world, the effort would be worthwhile.
"We expect project finance to be more difficult and expensive to find in the next few months, " Michael Liebreich, the company's chief executive officer, said.
It is especially difficult to think of this as a way to finance international development aid.
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However the finance organization typically finds it difficult to justify maintenance costs of the millions of lines of legacy code (read past).
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But convincing Hollywood to finance black films is as difficult as ever.
When investors have it in their heads that the price of shares is falling, and those falls are reinforced by demands for increased collateral from those who lent to finance the share purchases, it is difficult to make any kind of rational prediction about when and where more than a week of share-price falls will be halted.
It is also one of the few companies able to finance a big deal in today's difficult circumstances.
More difficult will be reshaping Dresdner's strategy to become a force in global finance.
It is hard to escape the conclusion that the energy and brains of many of these brilliant hotspot scientists might be put to better use if they looked at the really difficult problem of how governments, private industry and innovative environmental-finance schemes could help fund conservation.
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