tract from maximal communication of instructional information (Nickerson, 1995).
Business uses of the term "barrier" are wide ranging. For example, the term has been used to refer to: (1) factors hindering businesses from maximally economically, yet efficient functioning in the area of technology (Finch, 1996); (2) the manner in which environmental regulations have placed burdensome costs on the operation of businesses, obstructing the flow of business andy forcing some companies to go out of business all together (Ferguson, Finschem & Porter, 1996); (3) variables placing limits on management response to slipping operations or outcomes (Heller, 1996); prohibitions on insurance costs that make it difficult for companies to provide continuing insurance coverage for the care needed by pregnant workers and their babies (Gemignani, 1996); (4) legislation and other legalities that serve to obstruct consolidation and/or convergence among financial service institutions
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