Consider the following results from a survey of small businesses:

SECTOR

Retail Manufact. Financial Services

Mean number of Employees Standard deviation	4.1 3.3	11.7 3.9	7.2 3.7
No. of businesses with cash flow problems	17	32	11
No. with no cash flow problems	13	18	9
Total number in sample	30	50	20

In connection with the above data, answer the following questions:

1. Does the proportion of businesses having cash flow problems vary from one sector to another?

2. Is there a significant difference between the average number of employees in the retail and manufacturing sectors?

3. Given that it is quite a small sample, what would you expect the average number of employees over all small businesses in the manufacturing sector to be?

In a survey of retail businesses done last year, about 50% admitted to having cash flow problems. Has this proportion increased significantly?