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Student debt reformer Alan Collinge has brought a clear set of demands--and little patience for general assembly dickering--to Occupy Wall Street. He belongs to a large--but not unified--contingent of pragmatic policy wonks in the movement.

Learning to take responsibility for your mistakes Lately, several CEOs of troubled businesses have come to me for help, and they've reminded me of an important lesson: You've got to take responsibility for the messes you get your company into. Problems will keep resurfacing until you recognize how your actions helped create them in the first place. That may seem obvious, but most people have a hard time seeing the role they played.

Each day, Inc.'s reporters scour the Web for the most important and interesting news to entrepreneurs.

Only half of new small businesses survive beyond their fifth anniversary.