The bars indicate 95% confidence intervals. The vertical dashed lines indicate the 25th, the median and the 75th percentiles of the underlying distribution of inequality. These comprise the combination of technical skills, business management skills and personal skills required for starting up and operating in business and self-employment. They include, for example, opportunity recognition, team building, negotiation, strategy development, communication, decision making, risk management, financial planning, marketing and the ability to motivate and mentor.