The proportion of women who run their business at a loss is somewhat lower than for men in the United States (7.5% of women versus 8.7% for men). The reason for their careful risk management may be greater concern about the consequences of failure (Chapter 22). Indeed, the Small Business Service (2005) in the United Kingdom found that women with family responsibilities were “particularly wary of extending commitments” and that any business venture they embarked upon would “need to be independent of family finances and self-sufficient”. However, there is no conclusive evidence that women entrepreneurs are always less willing to take risks than men (Croson and Gneezy, 2009). On average, 22% of self-employed women across 30 OECD countries work less than 40 hours a week against only 10% of self-employed men.