1. Leadership has gone from bad to worse. Talks out of both sides of mouth. Chain of Command style leadership if any. No accountability from top to bottom. No one cares because the goal is retirement and leadership, management, and long time employees will walk out the door with their fat checks and don’t care with what is left behind for its members, customers, etc. 2. Lacks Diversity in every aspect, thought, race, gender etc. It’s a revolving door for women and people of color because they are denied promotions, advancement opportunities. 3. Outdated and Archaic- processes, systems, and way of thinking.