One thing that I noticed during the recession is that net 30 payment terms were no longer the standard. It seems that net 60 payment terms increasingly becoming the minimum standard during this time. During times of economic hardship, companies may stretch their accounts payable. Do you feel that there are any ethical issues surrounding this practice? 2) Do you think that the Great Recession of 2008-2009 had a different impact on the cash conversion cycles on smaller businesses versus larger corporations?