| Value | Category | 
|---|---|
| 1 | Some business owners do not work hard enough. | 
| 2 | Some business owners are not skilled enough. | 
| 3 | Some businesses suffer losses which are not their owners' fault. | 
| 4 | Some businesses suffer losses from credit given to customers. | 
| 5 | Some businesses suffer losses because of government policies. | 
| 6 | Other | 
| Sysmiss |