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_________ is a program whereby employees are presented with a menu of benefits and asked to select, within monetary limits imposed, the benefits they desire.
Material
Physical substances from which objects can be made or concerning the physical rather than the spiritual or intellectual aspects.
Retention
The ability to preserve and recall information or experiences over time.
Memory
The mental process of encoding, storing, and retrieving information.
Learning
A systematic, relatively permanent change in behavior that occurs through experience.
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