3)They found themselves competing with foreign countries for a share of the market 10. human capital: Here human capital refers to people's knowledge and skills. 11. accumulate: collect, or gather together esp. over a period of time Examples: 1)I have accumulated many books over the last few years a 2) While we were away on vacation, a lot of letters accumulated in our mailbox◼ 3) They found themselves competing with foreign countries for a share of the market. ◼ 10. human capital: Here human capital refers to people's knowledge and skills. ◼ 11. accumulate: collect, or gather together, esp. over a period of time ◼ Examples: 1) I have accumulated many books over the last few years. ◼ 2) While we were away on vacation, a lot of letters accumulated in our mailbox