Not surprisingly, NFIB (National Federation of Independent Businesses) Chief Economist William Dunkelberg says that sometime between this summer, when the NFIB's annual survey on small business confidence came out, and today, the chief concern of small businesses has switched from “inflation” to “customers.”  And while inflation remains a nagging problem, most companies now fear that, as Americans tighten their belts and forgo discretionary spending, the greater fear is declining revenue.  Only the service sector – so far – remains robust and continues to hire more.  But in our interview here you can hear from a high level why an increase in the savings rate, while it keeps dollars in pockets and out of the store, is actually good for American small business.