What does the term human capital refer to

Human capital refers to the collective worth of all the skills and attitudes possessed by a group of workers, usually under a single organization.
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answer:scalawags-a white Southerner who collaborated with northern Republicans during Reconstruction, often for personal profit. The term was used derisively by white Southern Democrats who opposed Reconstruction legislation.                                                                                                                                                

carpetbaggers-) a person from the northern states who went to the South after the Civil War to profit from the Reconstruction.