1. CEO Craig Barratt was very cautious in his interview with CNBC, where he went out of his way to say that this networking technology company with a big retail component could not feel confident going into Christmas; I think that he is .........., setting the bar low so the stock can advance, take the medicine now for a rally later.

2. The Direct Approach to estimating going .......... value is based on the direct costs of creating a business, excluding the costs of the tangible assets; it also includes the owner's investment in working capital to finance early year losses.

3. Protus and Voice Shot have modified their voice broadcasting software to work seamlessly with Gold Calling's Automatic Response Management software to make Gold Calling the leading prospecting and lead generation contact management system currently available; the era of .......... and smiling is on its way out.

4. P&G Chief Executive A.G. Lafley discussed why his company is no longer dependant on mergers to continue sales and profit growth: "Our growth has been quality growth because of .......... growth," he said, adding that non-merger related growth has averaged 8 percent in recent years.

5. How long it will take for your money to double is easy to calculate using .......... : simply divide 72 by the percentage of interest you earn on your savings. If you're not pleased with the answer, start investigating other options that pay a higher rate of return.

6. When you run out of credit and can't Top Up, you can get a 2 Call Credit .......... from Vodafone; so when you get that punctured tyre or absolutely have to respond to that special someone, you can!

7. Basically, public (or participating in an IPO) is the process in which a business owned by one or several individuals is converted into a business owned by many.

8. As for the Robertson and Armco transactions, Bilzerian engaged in ' .......... ' shares of the two companies: Bilzerian 'sold' his stock in Robertson and Armco to a broker who held it for 30 days with the understanding that Bilzerian would buy the stock back for the purchase price plus interest and commissions.

9. Unlike the credit .......... of the early 1990s, when homeowners had the fiscal life squeezed out of them by high interest rates and unemployment, this time it seems the young are in the firing line.

10. The .......... Lipstick Indicator is based on the theory that when a consumer feels less than confident about the future, she (or he) turns to less expensive indulgences such as lipsticks, and therefore, lipstick sales tend to increase during times of economic uncertainty or a recession.