I bet you scored 100% and earned your "Doctorate of Bubblology".

OK, why is Fannie Mae so glum? They point to loose (Wewould say CRAZY) lending practices, like interest onlyloans and increase in loan approvals that are notbacked by full documentation of borrower's income andassets.

We imagine a borrower's conversation with a lender today goes something like this:

Borrower: "Will you give me a quarter of a million dollar mortgage loan." Lender: "Can you pay it back?" Borrower: "Probably." Lender: "Loan approved!"

Now you may be thinking that skyrocketing values arein an isolated number of big cities, right? That's true, but those cities are our major commerce centers. When things go bad there negative effect ripplesacross country.  Here's bottom line: Our economy is always blowing bubbles. Some burst and some don't.

Only time will tell about this one, but I will keep my fingers in my ears just in case.

So how does your company stack up? If your company is what Senge describes as a ‘Learning Organization’ then there is no need to protect your turf, no need to accept compromise, no need for management to know everything. In a Learning Organization knowledge that employees have is used and each member of management team is there to support other. They realize that everyone wins if team does well and they also know that a failure is just another term for a learning opportunity.

Wouldn’t you like to work in an organization where your opinion counts and where you CAN make a difference in companies success? Where you don’t have to pretend to be busy, or pretend to know everything. So how do you create a learning organization? It starts with creating learning individuals in learning teams which then cascade into a learning organization. The only process that we know of that comes close to achieving goal of a learning team is Best Year Yet system (http://www.arcturusadvisors.com/partners.htm). Through this facilitated process team members learn to work collaboratively, learn from their mistakes and continually challenge their assumptions about reality. Above all they work together as a team to solve problems and improve results.

A Learning Organization is possible!