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.________can be a roadblock to establishing an effective diversity environment.
Formal Business Plans
Detailed documents that outline the operational and financial objectives of a business, including its strategies for achieving these goals.
Entrepreneurs
Individuals who initiate, manage, and assume the risks of starting and running a new business venture, often bringing innovative products or services to the market.
Personal Credit History
A record of an individual's past borrowing and repayment activity, often used by lenders to assess creditworthiness.
Entrepreneurs
Individuals who initiate, manage, and assume the risks of a business or enterprise, aiming to bring innovative products or solutions to the market.
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