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The trade balance is the difference between the value of:
Preretirement Programs
Initiatives designed to prepare employees for retirement, often including financial planning and lifestyle seminars.
Company-Sponsored
Refers to activities, programs, or benefits funded and organized by an employer for its employees.
Paid Holidays
Employer-provided days off with pay, typically for national holidays, as part of an employee's benefits package.
Personal Use Days
Days off given to employees to handle personal matters or for general leisure, separate from traditional sick or vacation leave.
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