Benefits advisers and HR executives know a lot about health and wellness programs. We read about them, discuss them, recommend them and - increasingly - implement and run them.

But how many of us really understand what it's like to take part in one? Do we know what type of program is more likely to get someone up before dawn to go to the gym? Or what makes the difference between long-term success and failure when trying to embrace a healthier lifestyle? Do we really understand the activities we're asking our clients and employees to embrace?

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