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Businesses are being confronted with a cadre of challenges at the moment. The U.S. economy is flirting with recession, financial markets are in turmoil as investment vehicles are failing and write-downs are approaching a staggering point. Some estimates have foreseen as much as $1 trillion in losses due to the crumbling U.S. housing and mortgage markets. The massive hits to IndyMac Bank, Wachovia, Citigroup, Freddie Mac and Fannie Mae have done nothing to prove otherwise. Linked to this maelstrom of poor lending is the bleeding out of consumer confidence, which has hit epic lows, reining in spending and forcing the discussion of another possible economic stimulus package.