I am not particularly well-behaved.

Put not your trust in new leaders, better systems, new organisations or regulatory reorganisation. They may well be good and necessary, but will to some degree fail.

As a civilised society, we have a duty to support those among us who are vulnerable and in need. When times are hard, that duty should be felt more than ever, not disappear or diminish.

I dont believe in good human beings, but I believe you can have structures that make it easier to make the right choice or the wrong choice.

Turning God into some kind of celestial insurance policy is just mental.

Banks need to think through their ethics very carefully, and many have done so. I dont know any bank that dismisses the concept of ethical banking.

There's something different about looking someone in the eyes and doing something dishonest to doing it over the phone or screen.