Jim Gerlach

Although many seniors are happy with the generous drug coverage they have from their former employers, the number of companies offering that kind of coverage has decreased by one-third since the mid-1980s.

I always look forward to going for a walk in Rushcutters Bay Park, right down to the bottom where you can look in the clear water of the harbour. I use that time to clear my head and really focus my thoughts.

It's the job of any business owner to be clear about the company's nonnegotiable core values. They're the riverbanks that help guide us as we refine and improve on performance and excellence. A lack of riverbanks creates estuaries and cloudy waters that are confusing to navigate. I want a crystal-clear, swiftly flowing stream.