Fourth, these funds have lay boards of trustees lacking training in investment matters.

FORBES: Public Pension Shortfalls and Consultant Conflicts (September 1, 2002 )

Lacking any training in psychology or psychiatry, he did not initially suspect that these disorders were psychosomatic in nature.

FORBES: How America's Best Pain Doctor - John Sarno - Took On The Medical Establishment and Won

First imagine lacking the training to compete for jobs in the healthcare economy, or working for a company that lacks a competitive position in the healthcare market.

FORBES: The Other Healthcare Divide: Healthcare Fluency