Develop employees' courage can add to company profits.
Two-thirds of manufacturers surveyed expect 2011 to be better than 2010.
Respondents say it is a key decision factor in purchasing process.
Program is designed to address special problems of filling slots in shifts.
New consumer-protection law doesn't apply to small businesses; One solution offered.
The holiday season is a time to reach out to customers/clients to help build sales in the new year.
Chief risk manager may be small-business owner's most important unknown job.
Being creative can result in higher sales, expert shows how to get and implement those new ideas.