But a new report by Deloitte, "Global Human Capital Trends", based on a survey of more than 7,000 executives in over 130 countries, suggests that the fashion for teamwork has reached a new high.

但德勤（Deloitte）发布的一份名为《全球人力资本趋势》（Global Human Capital Trends）的新报告显示，团队合作的流行已经达到了一个新的高度。该报告的调查结果基于对130多个国家的7000多名高管。

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Human capital is more of a challenge. Americans once led the world in educational attainment, but this is now barely rising while other countries have caught up (see article).

人力资本是一个挑战，美国过去在教育成就上傲视全球，但是现在其它国家奋起直追，美国倒显得不进则退了。

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But open source has the advantage of human capital, which it leverages "in quantities vastly greater than any proprietary vertical market vendor can match."

但开源的优势在于极为丰富的人才资本，这是任何专有垂直市场供应商都无法望其项背的。

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So who is worth more, a young adult with no assets and a college loan but millions in human capital, or a retired person who has already realized their human capital?

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As such, they are investing not just in their businesses but also in their local school systems to build human capital.

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In fact, supporting the growth of your income is so powerful, that if possible, consider investing not just in a retirement account, but in yourself and your "human capital" and future earning potential.

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