In the Nineties, it required 111 steps and 4, 112 days of bureaucratic nonsense to obtain a simple sales contract.

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In India, for example, enforcing a simple commercial contract takes 56 procedures and nearly four years, notes the World Bank, while in Venezuela, workers who earn less than 1.5 times the minimum wage can't be fired.

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Keep the contract terms simple--amount, time and place of delivery--so that deals will get done.

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My litmus test for these companies is simple: Ask for a contract to review upfront before you sign anything.

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First is a series of contract-free Simple Choice plans, which are similar to those the company offered before.

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