1. A state's major employer moves its headquarters to another state, resulting in a loss of jobs. 2. An earthquake in California leads to increased losses for an insurance company. 3. Basketball shoes endorsed by professional players are no longer trendy among teenagers. 4. Employees at a local restaurant improperly cook hamburgers, leading to customers being hospitalized. 5. An inventory shortage occurs due to employee theft in the warehouse. 6. Less snowfall last winter lead to fewer skiers and lost sales for Colorado ski resorts. 7. Poor employee cash register training causes some customers to leave the stores because of long lines. 8. A high unemployment rate causes a downturn in the retail sales sector for the year. 9. An improperly designed tire breaks apart in certain situations and results in customer lawsuits against the corporation for deaths and injuries. 10. A surplus of apartments causes apartment owners to lower rents. 11. The Americans with Disabilities Act requires a local restaurant to modify its entranceways. 12. A local manufacturer has to pay higher wages because there is a lack of skilled apprentices in the community