Editor: Hey, businesses! Did you forget business school 103, where calculation of Net Present Value (of an investment) requires that the first number be negative — that is, you have to expend money to make some? Even computation of the Internal Rate of Return is built on the assumption that some money goes out of pocket first. So step up and hire! The whole world is waiting. Or do you think the U. S. Government can carry everything forever? Politically that dog won’t hunt, and maybe not economically, either. Thinking only of retail for the moment, it is really getting old trying to transact business where there is but one clerk present to take money. Imagine that; take money! You rely way too much on computers. Big mistake. In only the past three days I have been vicitimized by computer failure at the post office and at the gas station where I used to shop. If I see a business with a flock of clerks, I’m taking my trade there, even if I’m not in love with their merchandise. If you, the business sector, are stuck in a don’t-lose mentality, punting on third down, then you’re doomed, and so are all of us.