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.

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.