Discuss these 9 initiatives for Wal-Mart in DETAIL: Limited-risk initiativ

Discuss these 9 initiatives for Wal-Mart in DETAIL:

Limited-risk initiatives: realign eligibility

requirements for health insurance; decrease cross subsidization of spouses; give Associates more information about how to use healthcare and
health insurance; lower company-paid life insurance coverage levels; capture savings from current initiatives to improve labor productivity; add a combination
of best practice care management programs; further develop high-performance provider networks; offer Associates bundles of other
benefits (e.g. paid time off) from which to choose; and continue to explore adding health clinics in stores.