More than four out of 10 entrepreneurs have experienced cash-flow problems in the past 90 days, according to November's reading of the Discover Small Business Watch survey. "The number of owners having trouble paying their bills is the highest we've seen since April and more than half of owners are cutting back on their business development plans, which is an all-time high," says an official at Discover. Is there any good news? "Only" 72% of entrepreneurs believe the economy is still getting worse -- down from 74% last month.

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