If you've been on the internet in the last week, you may have seen Standard Chartered CEO Bill Winters describing some of his workers as "lower-value human capital." On Tuesday, talking about planned layoffs in the bank, he said he was "replacing, in some cases, lower-value human capital with the financial capital and the investment capital we're putting in." He later apologized for the comment . Winters is one of many CEOs who've had to figure out how to talk about the people they're letting