But, if anything, the “moral hazard problem” has increased, not decreased, with each successive crisis.” (Stiglitz 1998, p. 18)  BIS Review 46/1998  -7-  by - and to - banks. After the crisis, the question can no longer be whether these flows should be regulated in some way.
Additionally, the Committee with responsibility for developing these partnerships may be contacting you. I must add, that while we welcome the participation and involvement of partners we will not be promoting any company’s products and services. The National Financial Education Programme is not about marketing products and services.