You don’t need a degree in economics to know that these are not the best of times for business. If you watch the evening news or glance at a newspaper, you can see that the greatest period of economic growth in history is rapidly coming to a close. More and more companies are issuing profit warnings and announcing layoffs, and everyone is searching for ways to cut down on spending. In a time like this, the reaction of many companies is to scale back on spending and wait for better times. One of...