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adjusted basis Answer Total APR APR APR APR APR JUL APR JUL OCT April AVERAGE COMPENSATION AVERAGE SELLING PRICES business conditions capital expenditures Chart climate for small Credit Conditions current job openings decline DOLLAR SALES VOLUME employment EXPECTED GENERAL BUSINESS Factor Costs ﬁrm fourth quarter frequency Harder important problem Index of Small inflation interest rates JAN APR JUL JAN JAN APR JAN JAN JAN January January's JUL JUL JUL JUL JUL OCT JUL OCT JAN July July's Less than 0.5 loans NFIB Foundation number of employees OCT JAN APR OCT OCT JAN OCT OCT OCT October October's percent planned percent reported higher percentage points PRIOR QUARTER Quality of Labor QUARTERLY ECONOMIC REPORT sales expectations seasonally adjusted second quarter single most important six months Small Business Earnings small business expansion Small Business Optimism small business owners Small Business Sales third quarter three to six West South Central