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Translate the following into a standard-form categorical claim: Only banks can be savings institutions.
Steven Covey
An influential author and speaker best known for his book "The 7 Habits of Highly Effective People," focusing on leadership and personal effectiveness.
CEO Challenges
Refer to the complex and diverse issues CEOs face in leading and managing an organization's strategic and operational roles.
Flexibility
The quality of being able to change or be changed easily according to the situation, often in response to different problems or conditions.
Adaptability
The quality of being able to adjust to new conditions or environments, and the capacity to deal with various changes.
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