1. George C. Foust, Jr., “The Total Approach Concept,” in The Total Approach to Employee Benefits, ed. Arthur J. Deric, New York: American Management Association, 1967, Chapter 1.

2. Robert M. McCaffery, Managing the Employee Benefits Program, New York: American Management Association, 1972, p. 17. There is also a revised (1983) edition of this book. These farsighted concepts are developed further by McCaffery in Chapter 2, “Planning a Total Program,” of Robert M. McCaffery, Employee Benefit Programs: A Total Compensation Perspective, 2nd ed., Boston: PWS–KENT Publishing Company, 1992.

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