Businesspeople love to tell me their problems, and in the waning days of this recession they keep describing three of them more than any others. They have to do with vanishing leadership, changing corporate culture, and talent.

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Fears about layoffs and corporate restructuring have left employees more attentive to what’s going on around them.

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Training programs for brokers are falling victim to the corporate budget ax, cutting off a source of new talent for financial firms.

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