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Discussion questions:

• Should JFS have changed its loan-officer compensation plan to the one proposed
by HR? Why or why not? What changes would you make to the proposed plan,
and why? What elements would you retain from the existing plan?
• Should JFS have combined the roles of CRES and CREC into one? Why or why not?
• What should JFS have done to decrease its loan-officer attrition rate?
• How could JFS have contributed to its social mission of serving the urban poor?

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