Brace yourself. It's almost that time of year when many of youare scared out of your minds and deathly afraid of things that gobump in the night.

Appropriately enough, open enrollment begins on theday after Halloween. Human resources professionals will be squeezedamong brokers loading them with information, management determinedto hold the line on expenses and employees trying to figure outwhat it all means. No wonder so many of them will feel like zombieswhen it all ends next Jan. 31.

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