The organization and its incentive structure are carefully re-examined to see if they truly support the mission of the business.

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This focus must come from the very top and filter down through the whole organization so everyone has the incentive to add value to the customer.

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The advantage of the U.S. on the regulatory front, though, is its Federal organization, which leads to diverse incentive programs across states and insulates the industry from dependence on a single form of regulation.

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