Small businesses have become more pessimistic about the chance for economic recovery in the next six months, according to a survey by the National Federation of Independent Business. The indicator fell 1.3 points in July to 86.5. “Now they are expected to finance the new experiments of Congress and the president such as health care reform, auto-industry bailouts and union pension-fund bailouts,” said William Dunkelberg, the federation’s chief economist. “Even with good news on the economy, it’s hard to be optimistic — and commit funds to the future — with these prospects facing small-business owners