Net hiring over the past 12 months declined to -12, down from -7 in July. U.S. small-business owners expect to add fewer net new jobs over the next 12 months than at any time since the depths of the 2008-2009 recession. ... In November, 21% of owners say they expect to decrease jobs at their companies over the next 12 months, the most recorded on this measure since the inception of the Wells Fargo/Gallup Small Business Index in August 2003. ... small-business owners are pessimistic about their operating environment as 2012 comes to a close. As a result, owners' intentions...