But we should also remember that the increased sensitivity to risk in Basel II carries with it the possibility that minimum capital ratios could actually be more volatile than they are today. As my colleague Bill Rutledge pointed out yesterday, that is what we expect, since those ratios will be more responsive to changes in risk.
Such unethical business practices can lead to smeared public relations and a loss of trust and respect to business people from the consumers. Distinguished Participants, As we have witnessed the birth of new entrepreneurial and so called knowledge based economic age, we have also seen a growing moral and spiritual problem of disconnectedness.