The compensation system includes no penalty for loans that go bad, there is no incentive to be careful not to make loans that are too risky. Compensation has created a climate in which employees are afraid they won’t be rewarded (or will be let go) if they get anything but a stellar review. Source: Based on Adrienne Fox, “Curing What Ails Performance Reviews,” HR Magazine, January 2009, pp. 52–56. Follow Workers’ Compensation State programs that provide benefits to workers who suffer work-related injuries or illnesses, or to their survivors.