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We examine the factors influencing the preparation and use of financial statements by privately held firms since these firms are not required to prepare financial statements and do not face the demands of public equity markets . These results provide some tentative evidence that the ongoing consolidation in the banking industry has not adversely affected the availability of credit to small businesses . It is the internal equity capital , not external equity , that is one of the major financing sources for most of small firms in these surveys . I am one of the volunteers who answers these questions , It is obviously much more difficult to help , not knowing your stepfather 's name . Rudolf claims that the pH is basic because of plaster walls in the gas chambers . The single most important fact about thought follows from an obvious observation : these four styles are connected . A team in Kentucky is under contract with NASA to design a system that can act as medical adviser onboard the International Space Station and a mission to Mars . We find that the use of personal commitments in the form of personal guarantees and outside collateral increases access to external financing . We also test for the effect of a prior bankruptcy filing by non-corporate firms or their owners on access to credit and find that a prior filing nearly triples the probability that these firms are denied credit . Jeremiah 2:13 says , " My people have committed two sins : they have forsaken Me , the spring of living water , and have dug their own cisterns , broken cisterns that cannot hold water .