1- Human capital theory suggests that it takes time for investments in human capital to produce financial or productivity-based returns to the firm. Discuss the reasons for this, providing examples. 2- Human capital theory suggests that it takes time for investments in human capital to produce financial or productivity-based returns to the firm and that human capital generally comes to the firm in the form of generic human capital, which over time develops into firm- specific human capital. Define and provide an example of generic human capital and firm specific capital. .