If you have a management conundrum you's like input upon send it to Steve Cocheo.

If you have a management conundrum you's like input upon send it to Steve Cocheo, executive editor; e-mail: scocheo@sbpub.com; fax to 212-6331165; or mail to ABA Banking Journal, 345 Hudson St fresh York, N.Y. 10014. Please note that the mention of a vendor name in "Pass the Aspirin" in no way implies its endorsement by way of either the banker answering the question nor at ABA Banking Journal.

THE HEADACHE

"What grades does your bank take to rule employee training costs?"

THE cure

Steve Goodenow. president and CEO and Mary Kay Bates, senior vice-p resident, human