Don't forget the workers.

High calibre workers are always at a premium - even in times of
recession. To recruit and hold onto them in a competitive market, a
business has to offer the 'right' kind of package. These days, this
embraces various 'fringe benefits' as well as basic salary. Employees now
realise that the most important perk of all is membership of a pension
scheme. At a time when State benefits are being cut back, they are going
to have to make private provision and will need all the help they can get
from their

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