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to foreign companies at lower costs to government agencies at higher costs Question 3. Question : (TCO 3) Three factors contributing to the increased number of small businesses are technologies such as e- commerce, growing diversity in entrepreneurship, and _____. Student Answer: outsourcing downsizing and increased ease in going public nationalization market regulation monopolistic business practices Question 4. Question : (TCO 3) Charles is the purchase agent for a consulting firm. He places orders for office stationeries and consumables once in two weeks. The purchases are made in large quantities and are billed in the firm's name. The i tems that Charles buys are examples of _____. specialty products expense items