However, if we have the chance to fail when failure has the least ramifications, then we have the opportunity for the greatest growth.

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The recent approval of the JOBS Act in April 2012 may as well pick up where the failure of previous policies have left, as its intention is creating an encouraging environment for growth of startup companies through more efficient and lenient procedures of capital raising, including crowdsourcing, venture capitalizing, and angel investing.

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In fact, a failure to act would have worsened our long-term deficit by assuring weak economic growth for years.

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Outspoken analyst and fund manager Tom Brown, of New York-based Second Curve Capital, wrote in a letter to Citigroup's board last week that "the growth strategy lately being articulated by management will end in costly failure, " and he repeated his call for a break-up of the company.

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Other issues she will have to deal with include the implementation of the teachers' workload agreement for England and Wales, the growth of specialist schools and city academies, plans for optional extended school hours - and the government's repeated failure to meet its targets for England's test and exam performance.

BBC: NEWS | UK | Education | What's in Ruth Kelly's in-tray?