Seeing how someone really performs at work, even on a temporary project, is a much better gauge of what they will be like as a full-time employee than a job interview or canned employment test.

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Information describing employment, income and assets are tendered during a telephone interview, an electronic file is created, a credit report is secured and an algorithm delivers an automated underwriting decision.

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Second, it is hard for sector programs to work with public systems developed for the high employment days of the '90s, which provide short-term resume and interview prep and focus on immediate job placement, not training.

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