This process systematically narrows the candidate pool, leading to homogeneity in hiring, a reduction in new approaches and new ways of thinking, and a less valuable, less dynamic employee population.

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However, with nominal growth slowing, the global population aging and developed economy governments reluctant to issue large amounts of debt this dynamic will affect larger and more traditionally stable asset markets.

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The other dynamic, of course, in the U.S. now is they're increasing the Latino population.

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