Nathan discovers that his mortgage company's employees are working very slowly because they are afraid that, if they finish the loans they are currently processing, they will run out of work and lose their jobs. Nathan's employees are

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This is an example of soldiering, which is a behavior where employees intentionally work at a slower pace to avoid running out of work and potentially losing their jobs. It is not laziness or a lack of qualifications that is causing this behavior, but rather a fear of job security. Low morale may be a consequence of this behavior, but it is not the underlying cause. Inexperience is also not a factor in this situation.

Nathan Discovers That His Mortgage Company's Employees Are Working Very