"Three provisions in particular -- health care exchanges, the small employer's health insurance tax credit, and the shared responsibility penalty -- affect small businesses, whose CEOs often act as accountant, IT director, sales manager, and any number of other roles.... 'One thing we have to understand,' said Phil Kennedy, a small business owner from Oklahoma, 'is that this is a train that's moving.' Here is how four businesses are trying to keep up with that locomotive."  MORE >>