Ключевые слова: adaptation, assets, attention, budget, business, capital, challenge, challenges, concept, conditions, crisis, cutting, decisions, difficulties, due, economic, economic downturn, economy, expenses, factors, failure, finance, financial, funds, inflation, instability, losing, management, money, part, planning, problem, questionable, recession, reducing, requiring, reserves, resilience, risks, rules, safety, salary reductions, savings, setbacks, some, spending, undercuts, unexpected, unforeseen, unpredictability,