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Fall 2002 Winter 2003 Winter 2015
An employee who underperforms usually belongs to either the “can do/won’t do” or the “will do/can’t do” category. Those who can but won’t have motivation problems and those who will but can’t have performance problems associated with lack of skills.
Good morning. It’s great to be with you today. You are truly an awesome sight. The last time I spoke at a graduation was at my high school ceremony some thirty-three years ago. Then as now, I find it a very humbling task. 
More than 20 million Americans are counting on their 401(k) investments to help see them through retirement. Some predict that 401(k) holdings will grow from $500 billion to more than $2 trillion by 2006.1