Bottom-Up Brainstorming

Employees' suggestions can be worth millions in savings.

Brainstorming programs can pay off big time. Take First Maryland Bancorp, which has invested less than $3 million in its Brainstorm program and has saved approximately $24 million from the results. That's a payoff some eight times greater than the initial investment!

An equal benefit, says the company's senior vice president Brian King, was that the program made employees more aware of how they spent the compan

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