Ключевые слова: accounting, analysis, banking, budget, business, calculating, challenge, control, controlling, cost, cut, decline, decrease, decreasing, deficit, discount, down, earning, economic, economy, effective, efficiency, expense, falling, finance, financial, goal, growing, illustration, improvement, income, loss, low, management, market, money, optimization, optimizing, performance, plan, planning, price, profit, recession, reduction, saving, spending, strategy, target, value,