Bud Cole is the vice president and senior consultant of Lockton's employee benefits practice in San Diego, with responsibilities in managing client relationships.

Despite widespread publicity about the need for preventive measures to avoid the flu, nearly a third of workers in a poll said they have not altered their behavior.

In today's tough business climate, employers and their employees must do more with less to keep their economic heads above water. One positive step in this direction is a healthier workforce, at work and more productive.

Agents and brokers who are trying to win, or simply renew, clientele in the luxury hotel and resort segment are finding it more challenging than ever--but not because of rates, which remain relatively competitive and affordable for now.