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Small firms are important in the United Kingdom economy, and they represent opportunities for banks, but banks were hit by losses on loans to small firms during the early 1990s recession. Banks have problems in assessing risks when they lend to small firms, which could arise as a result of information asymmetries. Small firms have changed the way that they are financed since the early 1990s, with internal finance gaining more importance, and this means that they are less vulnerable to an economic downturn.

When we first make a garden, we tend to plant for flamboyant bloom: irises, delphiniums, roses, hot flashes of poppies, and great whoops of annuals. These are the stars of [...]

Today, colleges and universities across the country are bracing for a wave of unprecedented growth--the graduating high-school class of 2009, the biggest in U.S. history. Lest we risk deja vu, [...]

In September of 1989, Roger Phillips wrote a letter to a new acquaintance, the food writer Leslie Land, beginning a five-year correspondence in which the two exchanged recipes, planting plans, [...]

Writers today are no less drawn to the subject of garden making than their predecessors. Of the season's new books, the treasure in the heap is jennifer Bennett's Our Gardens, [...]

The changes that have taken place in the nursing profession without a change in its identity are discussed.

The article discusses about the role of Power Point and other tools in the training given for the nursing profession and evaluates its efficacy.

The article argues about the difference between someone who looks at an illegal image and a predatory paedophile that assaults a child, and whether both should suffer equal ignominy.

'ONE OF THE GIVENS OF GARDENING is that you have to do it where you are, not someplace else. I've pointed this out already, but the principle is so often [...]

SOME GARDENING BOOKS are not so much written as assembled. I have a stack of these before me now. They're all extremely good to look at, expensively produced, and full [...]

Pruning is a skill that requires a rare balance of daring and delicacy. Some gardeners are afraid to prune; others are not timid enough. Whatever your attitude, it certainly helps [...]

There's nothing sexy about a reference book. We don't salivate over a Hortus Third entry, nor will a good pruning diagram make us rush out and buy a rosebush. A [...]

Finally, we'll indulge ourselves with a book that's both pretty and informative. Like alpine plants and species rhododendrons, old roses can become an obsession with gardeners; other forms of plant [...]

Failing that, the gardener can buy a much less comprehensive but more portable manual. If the last is the Cadillac of pruning guides, Pruning, by Kris Medic (Rodale Press; $14.95; [...]

The American Horticultural Society A to Z Encyclopedia of Garden Plants, edited by Christopher Brickell and Judith D. Zuk (DK Publishing; $79-95; 1,092 pages), is worth every penny (and not [...]

All My Edens: A Gardener's Memoir, by Pat Welsh (Chronicle Books; $24.95; 214 pages). As its title implies, this book is Welsh's remembrance of the gardens of her childhood. Welsh [...]

Reflections from a Garden (Trafalgar Square; $27.50; 191 pages) is a collection of essays, a collaborative work by two Britons: the novelist Susan Hill and the garden designer Rory Stuart. [...]

Altogether more serious in purpose, though often light in tone, is People with Dirty Hands: The Passion for Gardening, by Robin Chotzinoff (Macmillan; $22; 205 pages). In a series of [...]

A keen gardener and lifelong nature lover, Bates wrote Through the Woods: The English Woodland - April to April in 1936. Later in life, he was to fulfill an ambition [...]

Gardeners, even those whose gardens are sputtering to a halt at this time of year, are always gardeners; never more so, perhaps, than in late fall and winter. Now is [...]

Eleanor Perenyi's Green Thoughts (Vintage Books; $12 paperback; 289 pages) became a classic the day it was published 14 years ago. It is a landmark of solid research, good sense, [...]

Although her six subsequent books reflect a strong and almost maternal attachment to her garden and its plants, it is her first, we made a Garden (1956; reprint Faber & [...]

By Enid Munroe (Henry Holt; $25; 262 pages). Five years ago, Munroe and her husband sought to make a garden that would suit their busy lives and cost them little [...]

If Thomas is the charming and erudite master gardener, then Thalassa Cruso is the lively grandmother who tends the wonderful garden down the road. In her classic Making things Grow [...]

It must be remembered that not all good gardeners are good writers, but Graham Stuart Thomas should be treasured as both. His many works include some of the best reference [...]

They say that everyone has a novel in him, so it follows that every gardener contains a book about the making of his garden. Still, they don't say that everyone [...]

Women in Northern Ireland have once again to face trials and tribulations after failure to extend the Abortion Act to Northern Ireland. The only law still in place is outdated and sentences any woman who attempts to end a pregnancy with hard labor.