DO NOT RUN

- Changing technology (i.e., wikis, podcasting, Webinars, simulations)

- Changing employee demographics (engaging and retaining boomers, Gens X and Y who have different work/life expectations)

- Just-in-time, distance, and blended learning

- Shorter lead times for developing training

- Regulatory and compliance issues

- Mergers/acquisitions (require culture and integration training)

- Cost control efforts

- Globalization

- Outsourcing

- Customers with more financial knowledge and choices