on 10 According to a CFIB study, the most common methods of recruitment for small businesses were ed out of Select one: a. referrals from friends and employees. an O b. government agencies. c. media ads d. hiring from other businesses. 11 Which is not a disadvantage of offering credit listed in the textbook? ut of Select one: a. Competitors for credit b. Bad debts OC. Increased administrative cost d. Slow payers 12 In what stage of the business life cycle does the owner's responsibility become much more managerial? out of Select one: O a. Introduction b. Maturity c. Growth O d. Decline