When Jim Walters retired from Bank of America in December 2001 after decades in the business, he thought of looking for a similar job. He was just 56, after all. But in the months after Sept. 11, 2001, few companies were hiring. “The headhunters Bank of America connected me to said, `Don’t bother,’ ” said Walters, who lives in south Charlotte. “I had a year’s pay coming to me, and I couldn’t …

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