This page is written for the little guy.  The CEOs who are exposed for their corruption in this article are NOT very likely to read it, or to act on the basis of this data.  The only one who can now save our society from the deepening moral corruption into which it is sinking is you, the average Joe or Mary, in the street, who still has the common sense to see what is happening and to recognize that you are seeing moral corruption at the very top of the social, political and business ladder.

THOSE people are not likely to change. Even when caught? They may be forced to admit they are criminals, but no one every becomes moral because of force.  The history of this planet is replete with failed examples of "forced morality!"  For centuries the Church has tried to force people to be moral, with threats of hell.  That hasn't worked either.  A new dawn is coming, based on a common sense moral code.

Force (criminal law enforcement) still is needed to stop the big guys from setting corruption as the standard, but YOU can learn the lesson from their jail sentences -- honesty IS the best policy.

A key lesson from the recent scandals is that the checks on the system simply have not worked. The honor code among CEOs didn't work. Board oversight didn't work. Self-regulation was a complete failure. But one thing has worked: law enforcement. Clearly, there are periods in history when government must step in with reasoned enforcement actions that define the boundary lines and ensure that there is integrity, transparency and fair play in the markets.  (Source:  WSJ Article)

Only you, a single person, freely and on your own, can adopt a common sense moral code, and only you can gently offer your ideas on morality to your friends and family.  Keep in mind that I say "gently."  Just as the Church has tried and failed to force people to be moral, neither can YOU force any other person to become "moral."  But, you can offer these ideas gently to others, and some will accept, just as you have, the offer for this common sense moral code.

There is another reason why this is for YOU!  The type of corruption you'll read about here doesn't happen next door. But what DOES happen next door is often very similar.

Joe needs a "smog check" for his car.  The car fails.  He is going to have to spend $175 to fix it so it will pass.  He finds a "mechanic" who can give him a certificate for a "pass" for only $100 in cash -- no check. You meet him at a party one day, and brags about his "saving" $50.  He seems pretty happy about it all.

The theme of this entire web site is that the immorality around you, and particularly NEAR you, can and does affect you.  You get sick, or you have an accident because your neighbor is not worthy of trust.

You would also be affected if you worked for Enron, way down low, but your company went bankrupt because the bosses were not worthy of trust.

So, whether high or low, lack of honesty and a moral code -- when that is around you, you are affected.

You can do something about it.

I offer to help by sending you two free copies of a small book -- a common sense moral code for today!  You can learn more about why I'm offering this book HERE.

What cannot be denied is that dramatic events, unpredicted and beyond understanding, have occurred in recent years, with an acceleration in recent months.  I'm sure you have "seen" this, and perhaps you have even "experienced" it?

I have written of terrorism -- which dumped into our consciousness to so forever change our lives.

The drug culture has been with us for many years, but recently the so-called legal drugs have more and more been exposed as harmful frauds.  Even as psychiatric drugs are on the increase of usage, so are the exposes tumbling out.

Abuse of children seems to be on the rise -- at least it gets a great deal more media coverage.  The murder of a little girl gets lots of media, and a trial which then convicts her killer -- more media still.  There is a separate and very important issue going unreported. What was the moral atmosphere of the home from which that little girl or boy was abducted?  Children get their morals from parents.  Parents who are not worthy of trust are doming their children to a path through life without a compass.

We have dozens of "new diseases" which I call "invented diseases" because the doctors don't know what causes them nor how to cure them.  The cure is NOT in the drug field, but much more in the field of morals and diet.  What is AIDS other than a disease of moral corruption -- no matter how much those with AIDS look for a virus as cause.     The virus is NOT the cause of AIDS.

The fall of the Berlin Wall was certainly unexpected, several years ago, but it was one of those "good changes."  The more recent changes are exposes of wrong doing and harm to people.

The moral decay has been within the Government for decades, but the speed of exposure, lately, is increasing.  Here is an article from the Wall Street Journal, here, exposing a US Government sin of more than 40 years ago -- when a polio vaccine was found to be dangerous and the danger was deliberately hidden from the millions of people who kept on getting the vaccine, for years after its dangers were known to "authorities."  The astounding thing about this story is NOT the story itself, but the fact that it has appeared in the Wall Street Journal.  There are other articles on this same page that told the same story -- but they were discounted because they were not published in "respectable" places!

The recent scandal about priest abuse of children -- the harm to the children gets the attention, but the harm to the Church is far greater.  Man, thus, is losing another powerful force for morality.  The Church, attempting to frighten people into being moral didn't succeed, but they had more success than pure barbarism -- we are approaching pure barbarism now -- with moral corruption erupting without restraint.  Those who attack the Catholic Priests often have no concern for an abused child, but do want to see ANY source of morality silenced.  They are succeeding, with the help of the media.

The Chairman of the Federal Reserve Board put a label on another dramatic event -- he calls it the "Infectious Greed" of the American Business World.  Investors have lost literally trillions of dollars in value because of corruption among the very elite of our business world -- the Chief  Executive Officers who take home the multi-million salaries and from whom we had expected, at least, honesty.

Alan Greenspan is one of the most respected men in America.  He has called it as he sees it -- can not you see the same in your neighbor, next door.  Perhaps you don't have a national platform from which to denounce the next-door-dishonesty, but you can at least spot its existence, and even if you don't do anything, directly, you might politely decline his invitation for a barbecue!  Handling immorality does not have to be dramatic, but if every person had an improved ability to spot the dishonest people around them, and then did some little thing to indicate their disapproval -- we would become a more honest nation.

Ethics and morality can not be forced onto one -- he will never become ethical because of fear -- either fear of God, fear of Hell or fear of jail. Fear can control behavior, but not morality.  That has been the mistake made down through time -- confusing "controlled behavior" brought about by fear (of God, Hell, Jail), and "inner morality" where the person does something based on his own view of what he should do.  The free books offered from this web site provide the opportunity for people to find a common sense moral code -- NOT one that can be enforced, but one that can be adopted by a free people!

When man's morality is gone, a government may force morality with laws.  It is one of the loud demands in the popular business press even now.  Laws are never as good as a society holding to and following a common sense moral code.   The popular press is calling for laws -- they don't see any hope for freely chosen morality.

Corporate America will regain public trust only when the golden incentives to err are eliminated -- and corrupt execs are doing hard time   (source:  Business Week)

Many decades ago I was living and working in Ghana.  I recall the amazement I felt when I read, for the first time, aheadline on the local paper there, "The Supreme Court Must Appear To Be Honest As Well As To BE Honest!"  It was a new thought to me at the time, but it made a great deal of sense.  I saw that any person or any group must create its image of morality, and that BEING moral was not enough.  Thus, when some high public figure gets attacked on the basis of morality, we don't know the truth of the matter, perhaps, but we do know that the PR for that person is lacking.

People in high places, companies with large numbers of shareholders? They cannot afford any hint of impropriety -- and if it happens, there are some fast actions needed to handle -- those actions will not include defensive claims of "I didn't do it!" even when that is true.  There is a technology to keeping your public image up to a level where your morality is.  It is not enough, however, to BE moral, you must APPEAR to be moral.

I don't know the truth about Martha Stuart, but I do know that the dreadful stories about her APPEAR terrible.  I do know that,with all her money, she has not done enough to build and protect her public image.

The infectious greed illustrated below will, undoubtedly, all turn out to ALSO include violation of laws.  Those laws did not prevent these crimes from occurring.  ONLY a man's or woman's inner morality prevents him from taking that first tiny step down the path of law violation.  The people who are described here, yes, violated the laws. But, long before they violated those laws they had become immoral -- probably not ONLY in their business dealings.  You could expect these same people to have very loose attitudes about many other moral issues.  Morality is not a single-issue item!  A Moral Man is a moral man! 

Part of his survival is to portray an image of morality, and to maintain that image in the face of false accusations and attack!

That first tiny step?

Mary, next door, 16 years old, promises to come to your home to baby-sit.  You are going out with your husband for your wedding anniversary dinner.  Your 1 year old girl is fine with Mary as a baby-sitter.

Mary comes.  You leave.  You finish dinner early, decide to come home instead of going to the scheduled movie. When you walk into your living room you find Mary on the couch with a boy!  She has most of her clothes off!

All dishonesty is NOT at the level of Martha Stewart.  It starts early and next door!  If affects you in ways you may not appreciate.  You will be happier when you associate with people who are worthy of trust.

Read an interesting article from the Wall Street Journal on the failure of ethics in the corporate scandals that have roiled the business world during 2002.

Here is one of the big examples of infectious greed that started it all:

WorldCom Inc., already facing civil charges for accounting fraud, said it would expand its planned financial restatement to $7.2 billion as a result of additional accounting irregularities. 

The telecommunications giant, which previously planned to restate $3.85 billion for last year and part of this year, disclosed that an internal review of its accounting produced additional improperly booked items. The Clinton, Miss., company, which had warned its revision would grow, says it will have to revise its financials for the year 2000, in addition to the planned restatements for 2001 and the first quarter of 2002. 

. . . .

The disclosure indicates the company inflated profits by an additional $3.3 billion starting in 1999 and continuing through 2002. The company also said it could be forced to take a massive $50 billion write-off related to goodwill -- a figure roughly double the $20 billion to $30 billion it estimated just a few months ago. (Source)

Here is where these Adelphia people were led off in hand-cuffs, at 6 AM in front of TV cameras.

It is interesting to note that your common drug dealer causes harm to his area, and if it could be measured in dollars, might be very high -- how high?  I doubt if you would measure a drug dealer's damage to his neighborhood at $400 million?  That is the level of alleged theft by one of the CEOs above!  You'll note, also, that when this drug dealer ever gets his picture in the newspaper, it bears no resemblance to the types of photos you'll find in high-society journals, and church magazines -- when these business crooks donated millions of dollars to some charity!  The guy on the left is what we see of drug dealers!  The guy in the upper right is what we are now being treated to on the front pages of the nation's media!

This stuff will catch up, eventually, with the evil-doers.  Here is a message from Linda:

Here in late 2004, the corporate scandals continue to unfold.  Is there no end of them?

On a Friday afternoon last month, the nation's largest insurance companies were served with subpoenas from the New York attorney general asking an explosive question: Had they ever engaged in bid-rigging?

By the next week, several of the biggest insurers told the attorney general's office they had paid kickbacks for having business steered to them and had submitted sham bids to mislead customers. Their panicked responses revealed evidence of a broad scheme of collusion and price-fixing within the $1.1 trillion insurance industry.  Source

Here is another clue on the insurance fraud reference above -- and on how wide-spread the actual facts are, before the police finally close in -- but notice that these people are headed for jail -- these businessmen. DO YOU HAVE a responsibility, morally, to report such immorality when you see it?

In an e-mail exchange last Nov. 3, Geoffrey Gregory, president of ACE's casualty-risk unit, warned ACE USA's president and chief executive officer, Susan Rivera, that the way bids were being arranged "could potentially be construed as simply creating the appearance of competition."

But rather than put a stop to the phony bids, ACE began referring to them by an unrevealing in-house euphemism: "indication" bids, according to a person with knowledge of the investigation.  (Source)

Here is another major morality problem:

Global Crossing Ltd., after filing for bankruptcy protection and getting delisted, now faces an investigation of its accounting practices by the Securities and Exchange Commission.

Last week, the SEC asked the Bermuda-based telecommunications company for corporate documents and a letter sent by a former finance executive that raised concerns that Global Crossing and its auditor, Arthur Andersen, were misleading investors about the accounting for certain long-term leases. The company acknowledged the SEC investigation in a statement Sunday. (source)  (more on Global Crossing)  (more) (more) (more)

There are now so many of these multi-billion dollar "abrupt losses" that you wonder when it will end.

The big ones will end, either because the media grows weary, or we actually clean out the Fortune 500.  But the man next door, or your own husband, or your daughter-in-law?  Are they worthy of trust?

Your son is 14, seems to be doing well in school.  He has a part-time job and shares his money with you, to help pay for food.  He gives you about $25 most weeks.

He comes home very late several nights.  He won't talk about it.  You nag at him a bit.  He comes home very late and you confront him.  He gives you $1000 and tells you that he has "earned it."  He doesn't want to talk about it.  He goes to bed.

You happen to be behind on the rent payment, just then, and you really need the money.

You love your son and hope he's not in trouble!

Is this story about a boy's dishonesty?  Or is it possible that you have failed to instill a proper set of moral values during your 14 years raising your son?  The latter issue is taken up HERE.  Moral values are at the very core of our daily experience.  We make choices between right and wrong, or a "little bit wrong" and "a better way" -- every day.  Once someone has started down the path of "slightly wrong" moral choices, if he is very smart and a hard worker, he can wind up as a headline for a new CEO corruption case.  Read this entire article, read the entire web, or just click here now to ask for your free copies of a common sense moral code.  Click here to find out why I'm giving these to you.

Here is one about Vivindi --- about $10 billion loss just announced.

Here is another one of the big ones about the required SEC Filing, deadline August 15, 2002.  See who filed and who didn't.  What showed up?

How can this NOT be a large issue in any future election campaign!

Big as this issue may be during an election, I assure you that it looms larger still when you begin worrying and wondering about those close to you -- are they worthy of trust?  What do you DO when you decide someone close to you is NOT worthy of trust?

Virtually all cases of infectious greed relate to MONEY, but not always money in the form of stolen money. There are many in today's immoral society who steal information.  Stock prices are driven up, or down, by the opinions of "investment advisors."  They, in turn, get paid on the basis of the number of clients, subscribers, or just simply on the basis of how successful their predictions are.  If you are an investment advisor in the field of medical drugs you might want to know, before anyone else knows, what is the latest research finding, or the opinion of the FDA on some drug that is seeking approval.

On Feb. 15, David Risk drove his black BMW into the Palm Beach Research Center and signed up as a patient in a clinical trial of a new sleep drug. Saying he suffered from a sleep disorder, he gave blood and urine samples and signed a form agreeing not to disclose anything he had learned about patients.

Five days later, Mr. Risk published a research report recommending that investors sell shares of Neurocrine Biosciences Inc., the company whose drug trial he entered. The Sterling Financial Investment Group report said one patient in the trial had a bad reaction -- a middle-aged man couldn't be roused from sleep by his wife for some time. Neurocrine stock, about $35 at the time, didn't get hit right away but slid through spring and early summer to about $23. (source)

And when scientific publications circulate advance copies of crucial studies to hundreds or thousands of people, including doctors, journalists and academics, there are plenty of mouths to whisper about findings that may affect a company's shares -- before those outside the loop get the word. 

The Chicago Board Options Exchange is investigating "unusual trading activity" in options on shares of Wyeth, the pharmaceuticals giant based in Madison, N.J., which experienced a sharp increase in trading volume early this month [July 2002]. The uptick occurred days before the release of a government study by the Journal of the American Medical Association that documented a heightened risk of breast cancer, coronary heart disease, strokes and blood clots for women taking Wyeth's hormone-replacement drug Prempro for many years. (source)

Moral Corruption can, actually start ANYWHERE, but when it exists at the top of the social and political ladder, then it spreads downward like a wild-fire contagion.  Moral corruption at the top almost always comes with not just a blindness to honesty and the truth, but an abhorrence of truth.  The guy at the top, corrupt, will never ask for the free books offered from this web site, will never read them, and would never change his ways.  No "Christian Conversion" is ever likely to get him to confess his sins.  Jail will only convince him that "they" are "out to get him!"  The vast right-wing conspiracy to attack Bill Clinton would be claimed by those who will never see the truth of his moral corruption.  Never!

But, you, down at the bottom of the social ladder?  You can also be blind to the truth -- in which case you probably will not be reading this page!  You surely would not find fault with the top guys who are corrupt.  I have opinions on this.  They may differ from yours?  I've covered that possibility HERE.

Those who find no fault with Mr. Clinton?  How can they then guide their children?  That is my opinion.  That is NOT what the free book contains.

The guy who is corrupt, morally, cannot see corruption in others.  A good friend of Bill Clinton turned his investment of $100,000 into $18,000,000 and sold out before the corruption in Global Crossing was revealed.  (source)

Perhaps 50% of our nation is still able to see moral corruption, at the top or next door.  That 50% is what all of society has to pin its hopes on -- for the morally corrupt are the doom of society.  You who are in the "other" group?  You have an obligation to yourself, to your friends and neighbors, to salvage our society.  You can start by asking for your two free books, reading them.

The corruption that is being exposed in Corporate America takes on a new twist as the war in Iraq starts and as we hear more of the companies, mostly German and French, that were eagerly selling arms to the Iraqis. That is corruption obviously on the individual level of the company leaders, but also rising up the level of national governments and their leaders -- the very ones who so much resisted the US going into Iraq where we would, undoubtedly, find that THEIR companies were arming the very enemy we are now fighting.

WASHINGTON -- As our soldiers fight their way across Iraq, the world is wondering what sort of weaponry they will uncover. Outside Saddam Hussein's inner circle, no one knows for sure how many germs and poisons, how many nuclear and missile parts, may be hidden away. What we do know is the lion's share of it came from our European allies -- and some even from the U.S. It is a sad if not outrageous fact that we must wage war once again to counter an arsenal that Western companies helped create.  (Source)