We’ve gone through a crisis of accountability that spanned many sectors; it was not merely Wall Street. It was government. It was not-for-profits. It was religious institutions. It was even the media. We have seen failures of governance that, to a certain extent, reflected a larger societal issue, a dislocation, a disjunction between people being put in positions of authority and their understanding of their fiduciary duties. Now, having gone through this series of scandals, I believe there has been a fundamental change that will last for some time