Russia would like to correct this imbalance, but will find it hard to do so.
Small firms find it hard to get loans or do not trust the high-street banks to stick with them if their businesses run into trouble.
One disadvantage of CBT is that it may be hard to find doctors or therapists that do it.
While I am a card-carrying member of the glass-is-at-least-half-full club and you may find it hard to believe, I actually do have friends that regularly reside in the bear camp.
With long-term rates rising, despite a monetary policy which is keeping short-term rates at historic lows, the Federal Reserve, America's central bank, might find it hard to persuade home owners to do more of what it wants them to do (go shopping) were the economy to stumble.
"I do find it hard to sit in an office all day, " he says wistfully.
Small businesses more than most find it hard to function with proliferating requirements to do with health and safety, flexible working and the like.
And just as maids find it hard to love more than one, so do we.
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Do you find it hard to believe that employment is picking up and employers are getting more optimistic about taking on new workers?
Largely because of the power of the unions, America's carmakers find it as hard as their European counterparts do to cut output and capacity to match changed circumstances.
But, after the struggle to do so, Greece could find it just as hard, perhaps even harder, to catch up with its fellow eurolanders.
Northumberland Estates said it was working hard to find a long-term solution but said there was little it could do "in the face of such very extreme weather conditions until the culvert can be cleared".
In practice, it is hard to find buyers in this bracket who do not have lots of equity in their homes.
Our concern is that if the world and his wife say they have an allergy, those who really do will find it increasingly hard to be taken seriously.
Partly because of the power of the unions, America's car makers find it almost as hard as do their European counterparts to cut output and capacity to match changed circumstances.
Apart from the sanction of social disapproval in the diaspora, those who do not pay find it hard to buy or keep land back home, or to get their passports renewed.
When you go to find people to make investments in building something rather than in the American '50s style, it's very hard to do.
Although some funds still charge loads, many do not and it is not hard to find funds that are likewise efficient with respect to expenses and taxes.
It is very hard to find that quality in horses, he loves to come and do his work.
Dr Helen Lee, who led the research, told BBC News Online the new test could be used in the developing world, where people may find it hard to access healthcare, and in developed countries, where up to half those tested do not come back for their results.
If your friends do not write reviews on Yelp it can be hard to find reviews from people with similar tastes, and the reviews on Yelp can be quite long.
It will also be tricky to find builders who can work well at such altitudes (few people can do hard manual labour where the air is so thin).
Because regardless of what political party in which you may find yourself, it is hard to deny that she elevates our political discourse in ways that few, if any, others do on the contemporary stage.
You'll also be hard-pressed to find a safari on a clearance rack, but if you want to do it for the lowest price possible, go during the hotter, rainier season in southern and central Africa between November and February.
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