But That's None Of My Business

I majored in business management and currently work in HR

Your comment makes you appear you didn't learn much. As you should know there are many reasons for a business to go bankrupt and leadership is only one. Bankruptcy is also a smart business person's way of getting the company back on it's feet. Maybe you should have taken a different major. I ran two successful businesses in a down economy.

Which one? There are many things in my comment where that question could apply.

there have been two that you could be old enough to know about

The housing market crash. Had successful construction and supply businesses.

but that would have very little effect on a business outside of real estate.

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Troll? You don't even know the meaning. Wow, you have a business degree? What a waste of money. No wonder you are in HR and don't have a business. Good place for you after your ridiculous comment.

well that says more about you than it does about me

Your statement is redundant. Of course it states you know less about business.

you stated that you ran a business during a down economy, which time was you business running

Notice they never replied >_>