Turns out television news anchors Tom Brokaw and Peter Jennings have excellent efficiency ratings, too--with overhead rates of less than 1%.

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Charter jet firms, like TAG Aviation, complain that Blue Star pressures them to fly their planes at rates that barely cover overhead.

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While the direct labor required to manufacture such products is considerably lower, overall lower wage rates enable Chinese manufacturers to benefit from building, equipment, engineering and overhead costs that are substantially lower than those for their Western counterparts.

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Interest rates range from 24% to 31%, reflecting the high-percentage overhead on tiny loans.

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