A salesman must also have flexible goals. You may say, ''I want to sell 10 accounts this week,'' and you sell five. You're ready to die. But, you tell yourself, ''Five isn't too bad. You know, next week maybe I'll sell 10.

It needs to be more ambitious ... it should be a flexible toolbox of actions.

It's not something you have to do five days a week. It's very flexible.

Years ago, we insisted on a 40-hour week, working 8 to 5. We've become much more flexible in terms of number of hours as well as when employees work. We want to keep people in the work force and adjust to their needs. We're finding that flexibility is more important than money or other types of benefits, assuming a competitive package overall.

In my opinion, DLJ acted in a completely irresponsible fashion in selling a retired couple's bonds and putting them in an aggressive stock portfolio.

A salesman must also have flexible goals. You may say, I want to sell 10 accounts this week, and you sell five. You're ready to die. But, you tell yourself, Five isn't too bad. You know, next week maybe I'll sell 10.