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In fact, the report found nearly half of Americans carry at least $25,000 in debt, and 1 in 5 owe more than $100,000.

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He explained organizations are no longer just trying to address risk in the top 1% of positions — they are trying to get to 10%.

These two perspectives have different origins from 1) the academic literature with its theoretical emphasis on agency theory (AT) and managerial power theory (MPT) and 2) the perspective of practice with an emphasis on institutional and contextual changes and discussions from inside the board room.