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Younger employees have no clue how to dress in the workplace. With guys, it's sloppy clothing; with women, it's inappropriate clothing -- including short skirts, skimpy outfits and exposed tattoos.

Clark recently saw a Dear Abby column that was dedicated to an HR manager who needed to vent about this issue. Shortly after he saw that, The Orlando Sentinel/Newsday ran a photo gallery of outfits that were deemed too sexy for the job. Meanwhile, Clark was recently in Dallas at a hip gelato parlor. He was shocked by how white-collar women getting out of work were dressed. And he wasn't just being fuddy-duddy.

Pop darlings Christina Aguilera, Britney Spears and Jessica Simpson have all had their own influence on today's lax dress standards for young women. The range of acceptable behavior and dress got muddied up.

Recent college graduates starting their first jobs should err on the side of conservative dress. If a workplace is more relaxed, you'll figure it out over time. Some employers have even been convinced by consultants to have fashion shows featuring mannequins sporting appropriate workplace clothing!

Many of us have what are called -- in credit card lingo -- "back of the wallets." These are the cards we hardly ever use that may be buried somewhere in our wallets or in a drawer at home.

The typical American has about a dozen cards, but only 2 that are used frequently. The rest of those cards are ignored until they go dormant. In fact, you may not even activate the new card when you get it in the mail.

Banks used to just let these dormant accounts sit and hope you'd someday use the card again -- but not anymore. Now if an account goes stale, they'll close that account. That hurts your credit score and limits your access to funds.

So you may want to consider using your "back of the wallets" twice a year about 6 months apart. Charge a nominal amount and then pay it off. That will keep these accounts current in your credit mix and raise your credit score.

This is not just a silly assignment. You'll be helping your score, which is very important in getting lower interest rates, securing job offers and more.

There's been a widespread security breach at some 5,700 Citibank ATMs. Heed this special warning if you've used a Citibank ATM (including those found at 7-Eleven stores) at any point this year.

Criminals hacked into the bank's system and were remotely able to capture account numbers and PINs. They then made duplicate cards that were used to withdraw money from accounts for about 7 months.

The banking industry's longtime rule has been that the burden of proof was on you if your PIN was stolen. They believed their system was impenetrable and if something went wrong, well, you must have been at fault by not protecting your account or PIN. But the hacker community shares info about how to break into back-end systems on a variety of message boards.

The real problem is that our banks rely on 1960s ATM card technology. Over in Europe, they've long since switched to using smart chips in ATM cards. These smart chips defeat the ability of hackers to duplicate a card should they capture a number.

Washington D.C. has also been complicit in this backwards-looking policy. Federal regulators who are in cahoots with the banks have not followed through on requiring them to follow international banking security standards.

The takeaway for you is that you've got to thoroughly monitor your account and follow up on any discrepancies.

Meanwhile, the folks at Wired magazine originally broke the Citibank story. And Citibank, to its shame, is still being hush-hush about the number of people affected and the amount of money that's been stolen. Ukrainian immigrant Yuriy Rakushchynets and 2 others are the likely culprits of the crime.

Our banking industry operates at below-Third World standards when it comes to data safety. It's well past time for our government to mandate that the banks adhere to recognized world standards in the field. Clark also thinks banks should be required to provide full disclosure to the media and the American people when breaches like this one occur.

Starbucks has become the kind of American icon that elicits both very positive and very negative reactions. On the one hand, people hate the company because they homogenized the coffee shop experience. On the other hand, folks like Clark's sister love Starbucks and go to the same location everyday.

While Clark is not a coffee drinker, he likes Starbucks in theory because they have a reputation of treating employees better than most other fast-food chains. Yes, Starbucks is essentially a fast-food chain -- even if you don't think so!

The company's business plan has long focused on aggressive expansion. Sometimes they've opened multiple locations within close proximity in high-traffic areas. The goal has been to destroy weaker coffee shop chains and indie shops.

Unfortunately, the expansion proved a bit too extreme. Neighboring locations cannibalized each other's customers and saw a swift drop in sales when the economy contracted.

Now Starbucks is closing around 600 stores and laying off several hundred people.

Also factoring into the Starbucks squeeze is competition the chain is facing from McDonald's introduction of cheaper high-end coffees.

But Clark thinks the latest Starbucks news marks the end of an era. Previously, we as Americans didn't care about our guilty little pleasures. We just charged the plastic and didn't worry about how we'd pay for it down the road. Now we're worried.