THREE YEARS AGO, American Fidelity Assurance Co., based in Oklahoma City, Okla., jetted its sales incentive winners halfway around the world. The Hong Kong excursion was “a great trip,” says Brett Barrowman, vice president, conference and travel services at AFA, but it was the last time, for the foreseeable future, that the company will plan a reward that far from home.

“We've pulled back on international travel to other continents,” says Barrowman. “Our people don't want to go

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