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People in the third sector are far more productive than people in market economies.
Pro-social behavior allows you to get a bigger bang for your buck it is not unusual for the third sector to hire highly talented lawyers and accountants for free and they will work harder.
In the same way that we have seen consolidations going on in the insurance industry, there is never a perfect overlap, but there is a degree.
Think about what you are best at, what are you better at than anyone else at delivering.
It is very tempting to get sidetracked with other things when you know you can help but you may not be the best person to offer that help.
Ms Foulger was a panelist at the conference along with senior lecturer of economics at the Bermuda College Craig Simmons, writer and economic analyst Larry Burchall, and Kumi Bradshaw of Firm Advisory.
The title of their discussion was Survival of the Fittest but Ms Foulger said the title was only shorthand for a more important message from evolutionist Charles Darwin that those most likely to survive are those most responsive to change.
Mr Burchall highlighted Bermudas growing GDP but warned that due to the peculiarities and uniqueness of our situation, it is not going to feel like it.