Small-business owners do not expect any major improvement in the economy in the next few months, according to data from Discover Financial Services.

The Riverwoods, Ill., credit card company's monthly Small Business Watch index inched downward to 84.9 in February, from 85.5 in January. The index stood at 71.9 in February of last year, and was pegged at 100 when it was created in 2006.

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