nt. Typical OJT is unstructured or understructured, 
        inconsistent, and slow. How often have you heard accepted time-to-competency 
        figures of 18 months or longer? In the life insurance business, the industry 
        average is 75 percent turnover of the sales force in the first 36 months. 
        Now that's a very expensive revolving door. What are the numbers for critical 
        jobs in your business? Don't think in terms of annual turnover - look 
        at the period of time it