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Open the Door to New Possibilities with Capital. With rates as low as: 2.49% Jill Rank and her grandaughter Abby Andrews, both of Manitowoc, get in some early Christmas shopping at Bay Park Square Mall in Ashwaubenon. of On Broadway Inc. in Green Bay, notes that small retailers are still feeling some trepidation as the holiday shopping season begins. "The past couple of years, retail sales have trended downward for many small businesses, mostly due to the economy. However, I would say that our businesses have been steady, and many are optimistic and expect a busy fourth quarter. "The 'shop local' craze has certainly from the mall scene (such as Bay Park Square in Ashwaubenon) or opt for independents, like the niche shops on Broadway in downtown Green Bay. Chris Naumann, executive director helped, and the movement has absolutely kept many of our businesses moving forward. Black Friday as an annual success story for malls, which oſten plan (very) early openings and special events. In the world of independents, however, Black Friday is oſten just another day. "Black Friday, to many of our Both Zielinski and Slechta point to " businesses, is a TGIF moment," says Naumann. "Although many of our small stores and restaurants are busy … on Broadway, you can catch your breath, you can stop for a break, you can have a conversation, and most importantly you can feel human. "We are proud to say we represent a sanity break for many of those caught up in the hysteria." www.insightonbusiness .com Up to 5 years on cars, trucks, ATVs and more! *APR=Annual Percentage Rate. Rate is determined by your credit score & account relationship. Actual rates may vary & are subject to change without notice. Rates as of 10/05/12. 2.49% available up to a 60 month term. $17.75/$1000 bor- rowed on a 60 month term. All loans subject to approval. $5000 new money required. Rates based on 2008 & newer autos, ATVs, boats, campers, cycles, personal watercraft, & snowmobiles. Federally insured by NCUA. APR* Getting into the driver's seat is easier than ever! Capital will help you get The Loans You'll Like. capitalcu.com 920-731-3195 | 866-731-3195 (toll free) Join Hundreds of Small Businesses Enjoying Lower Energy Costs Focus on Energy Small Business Program Experience energy savings, high quality lighting and a great payback on your investment. For a FREE energy assessment and energy-saving measures call 877-229-6678. PROGRAM BENEFITS ■ FREE energy assessment showing savings opportunities ■ Immediate energy savings from installed products ■ Lower monthly energy costs Schedule your FREE energy assessment now! Call 877-229-6678 or visit focusonenergy.com/smallbusiness ©2012 Wisconsin Focus on Energy TMSB-2000-101012 November 2012 • INSIGHT | 33 PARTICIPATION ■ Check focusonenergy.com/utility to see if your utility participates ■ Have your utility bill ready when we arrive PATRICK J . FERRON, FERRON PHOTOGRAPHY, LLC