The pay strategy must reward ethical behavior and correlate total salary with performance.

FORBES: Are Utility CEO Pay Packages Fair Compared to Average Workers?

Most important, we are seeing significant changes in behavior, and consequently lower total costs.

WSJ: Mitch Daniels: Hoosiers and Health Savings Accounts

Ultimately, losses as a result of "avoidance behavior" would be the most costly to local economies -- nearly two-thirds of total losses, the World Bank estimates.

CNN: Pandemic equals economic pain