Employers have already despaired of the Baby Boomers' unwillingness to serve their time as modestly paid drudges in return for future reward and advancement. Certainly, young workers do not hesitate to demand more interesting work and more flexible hours (although, suspicious as ever of large and impersonal institutions, they have proved notably reluctant to join labor unions to press their demands). "We have less loyalty to companies, and we put up with a lot less than our parents," concedes Rick Garnitz, 37, who quit his job as a marketing manager at Xerox and started his own life-planning firm in Atlanta.