11.   Dougherty is president of Priority Consulting, a Glen Ridge, N.J., company that helps run employee assistance programs, or EAPs, for companies.

12.   Employee assistance programs, generally offered through contracts with outside providers, typically offer mental health and substance-abuse counseling.

13.   Fifty employees from KingSize were facing layoffs when WearGuard asked them whether they would like to participate in the employee loan program.

14.   Gugliemo and Sullivan, meanwhile, hope to work with insurance companies to find ways to cover online counseling through corporate employee assistance programs.

15.   He also said employee compensation programs, including employee stock ownership plans, will be designed to more directly support the individual businesses.

16.   He could wind up in some employee assistance program, as did Boyd or more recently Wil Cordero, who was accused of assault and battery against his wife.

17.   He covers the full spectrum of financial planning issues, including basic but often overlooked issues like organizing your files and getting the most from your employee benefits programs.

18.   He established company employee programs dealing with retirement, a stock purchase and savings plan, group life insurance and disability insurance.

19.   Heart Math said these visualization techniques have been used in employee training programs at Motorola, Shell and Hewlett-Packard.

20.   He will have to negotiate new contracts with both the pilots and the machinists and decide whether to renew the employee stock ownership program that expires next year.