The problem displaying greatest agreement is “Exporting My Products/Services,” with a standard deviation of . This problem took 2nd in 2004 with a score. Consensus arises because the issue is not a problem for 62 percent of respondents, though critical for 2 per- cent. The second greatest consensus arises on the “Cost of Health Insurance” with a standard deviation of . Owners, as a group, have virtually the identical degree of agreement on the problem as on the number-one ranked exporting. However, the consensus on health insurance is a bit less than four years ago (). Fifty-six (56) percent of.