Silent Debt, Loud Crisis: How Unaddressed Skill Gaps Are Quietly Bankrupting American Organizations
Most American companies track financial liabilities with precision but leave an equally dangerous form of debt entirely unmeasured. Capability debt—the widening gap between the skills a strategy demands and the skills a workforce actually possesses—compounds invisibly until a market disruption or leadership transition forces a brutal reckoning. Understanding how to identify, quantify, and systematically retire this debt may be the most consequential organizational discipline of the decade.