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Second Texts and Second Opinions: Essays Towards a Jewish Bioethics
by Laurie ZolothThis book takes as its subject the intensely private discussions that arise when ordinary people confront life and death choices and struggle with decisions in a world of medical and scientific complexity. Laurie Zoloth began her work in bioethics in a large public California hospital system, where she was part of a group tasked with the creation of an ethics committee in every hospital in the system, that would hear hundreds of cases every year, including pediatric cases from the hospital's intensive care, neonatal intensive care, burn, and oncology units. The book explores the dilemmas presented in these cases and reflects on the competing, often incommensurate moral appeals offered by the participants. It then analyzes the cases against and with similar concepts within Jewish thought, using rabbinic texts to make legible the factors at play as one makes ethical judgments. This philosophical position is feminist as it considers and at times advocates for the inclusion of family and community in the rationale of the clinical setting. Intertwined with legal statements in the Talmud are aggadot, or midrashic texts, literary narratives used to argue a point, or to complicate a point, or to deepen the meaning of the communal discourse, adding history, case studies, or fictive tales to the discussion. Zoloth argues that these texts can be usefully applied to problems in bioethics. She develops the case for a textual turn that is fully imagined and enriched by the many possible re-interpretations of narrative: biblical, rabbinic, medieval, modern, and post-modern.
Kundenbindung durch barrierefreie Online-Kommunikation: Potenziale und Mehrwert der erweiterten Marktorientierungstrategie (BestMasters)
by Agnes Barbara ZohnerAgnes Barbara Zohner beschreibt in diesem Buch, dass der Unternehmenswert langfristig gesteigert werden kann, wenn in der Kommunikationspolitik eine erweiterte Marktorientierungsstrategie umgesetzt wird, die eine Kommunikation mit sämtlichen Marktteilnehmern beinhaltet. Damit die Umsetzung gelingt, müssen vor allem die Sprache und die Kommunikationsmedien so gestaltet werden, dass diese für alle potentiellen Kunden nutzbar und verständlich sind. Dies wird als barrierefreie Kommunikation bezeichnet. Der leichte Zugang und die Verständlichkeit von Texten und Medien finden in den Unternehmen bislang wenig Beachtung. Die Autorin erforscht daher die Motive und die Wirkung von Barrierefreiheit auf die Kundenbindung und den Mehrwert, den Unternehmen durch die Umsetzung erzielen können.
Constitutional Law in Romania
by Irina Moroianu ZlătescuDerived from the renowned multi-volume International Encyclopaedia of Laws, this very useful analysis of constitutional law in Romania provides essential information on the country’s sources of constitutional law, its form of government, and its administrative structure. Lawyers who handle transnational matters will appreciate the clarifications of particular terminology and its application. Throughout the book, the treatment emphasizes the specific points at which constitutional law affects the interpretation of legal rules and procedure. Thorough coverage by a local expert fully describes the political system, the historical background, the role of treaties, legislation, jurisprudence, and administrative regulations. The discussion of the form and structure of government outlines its legal status, the jurisdiction and workings of the central state organs, the subdivisions of the state, its decentralized authorities, and concepts of citizenship. Special issues include the legal position of aliens, foreign relations, taxing and spending powers, emergency laws, the power of the military, and the constitutional relationship between church and state. Details are presented in such a way that readers who are unfamiliar with specific terms and concepts in varying contexts will fully grasp their meaning and significance. Its succinct yet scholarly nature, as well as the practical quality of the information it provides, make this book a valuable time-saving tool for both practising and academic jurists. Lawyers representing parties with interests in Romania will welcome this guide, and academics and researchers will appreciate its value in the study of comparative constitutional law.
Constitutional Law in Romania
by Irina Moroianu ZlaˇtescuDerived from the renowned multi-volume International Encyclopaedia of Laws, this very useful analysis of constitutional law in Romania provides essential information on the country’s sources of constitutional law, its form of government, and its administrative structure. Lawyers who handle transnational matters will appreciate the clarifications of particular terminology and its application. Throughout the book, the treatment emphasizes the specific points at which constitutional law affects the interpretation of legal rules and procedure. Thorough coverage by a local expert fully describes the political system, the historical background, the role of treaties, legislation, jurisprudence, and administrative regulations. The discussion of the form and structure of government outlines its legal status, the jurisdiction and workings of the central state organs, the subdivisions of the state, its decentralized authorities, and concepts of citizenship. Special issues include the legal position of aliens, foreign relations, taxing and spending powers, emergency laws, the power of the military, and the constitutional relationship between church and state. Details are presented in such a way that readers who are unfamiliar with specific terms and concepts in varying contexts will fully grasp their meaning and significance. Its succinct yet scholarly nature, as well as the practical quality of the information it provides, make this book a valuable time-saving tool for both practising and academic jurists. Lawyers representing parties with interests in Romania will welcome this guide, and academics and researchers will appreciate its value in the study of comparative constitutional law.
Digital Audio Forensics Fundamentals: From Capture to Courtroom (Audio Engineering Society Presents)
by James ZjalicDigital Audio Forensics Fundamentals offers an accessible introduction to both the theory and practical skills behind this emerging field of forensic science. Beginning with an overview of the history of the discipline, the reader is guided through forensic principles and key audio concepts, before being introduced to practical areas such as audio enhancement, audio authentication, and the presentation of reports. Covering all aspects of audio forensics from the capture to the courtroom, this book is pivotal reading for beginners entering the field, as well as experienced professionals looking to develop their knowledge of the practice.
Digital Audio Forensics Fundamentals: From Capture to Courtroom (Audio Engineering Society Presents)
by James ZjalicDigital Audio Forensics Fundamentals offers an accessible introduction to both the theory and practical skills behind this emerging field of forensic science. Beginning with an overview of the history of the discipline, the reader is guided through forensic principles and key audio concepts, before being introduced to practical areas such as audio enhancement, audio authentication, and the presentation of reports. Covering all aspects of audio forensics from the capture to the courtroom, this book is pivotal reading for beginners entering the field, as well as experienced professionals looking to develop their knowledge of the practice.
Kollektive Leistungen von Wirtschaftsverbänden: Planung und Lenkung anhand eines phasenorientierten Qualitätsmodells (NPO-Management)
by Thomas ZitzmannThomas Zitzmann konzipiert eine theoretisch fundierte und zugleich praxisorientierte Vorgehensweise, die die Führung von Wirtschaftsverbänden unterstützt, eine hohe Qualität ihrer kollektiven Leistungen zu erreichen und liefert wertvolle Handlungsempfehlungen für das Verbandsmanagement.
The Political Process of Policymaking: A Pragmatic Approach to Public Policy (Studies in the Political Economy of Public Policy)
by P. ZittounPhilippe Zittoun analyses the public policymaking process focusing on how governments relentlessly develop proposals to change public policy to address insoluble problems. Rather than considering this surprising Sisyphean effort as a lack of rationality, the author examines it as a political activity that produces order and stability.
Marktwirtschaftliche Instrumente in der Umweltpolitik: Zur Auswahl politischer Lösungsstrategien in der Bundesrepublik
by Thomas Zittel
Das Genossenschaftliche Prüfungswesen. Grundzüge des Genossenschaftlichen Prüfungs- und Berufsrechts (Der Wirtschaftsprüfer)
by R. Zirwas B. BuchholzDieser Buchtitel ist Teil des Digitalisierungsprojekts Springer Book Archives mit Publikationen, die seit den Anfängen des Verlags von 1842 erschienen sind. Der Verlag stellt mit diesem Archiv Quellen für die historische wie auch die disziplingeschichtliche Forschung zur Verfügung, die jeweils im historischen Kontext betrachtet werden müssen. Dieser Titel erschien in der Zeit vor 1945 und wird daher in seiner zeittypischen politisch-ideologischen Ausrichtung vom Verlag nicht beworben.
Towards Recognition of Minority Groups: Legal and Communication Strategies (Law, Language and Communication)
by Marek Zirk-Sadowski Bartosz WojciechowskiThis volume analyses current debates concerning problems in the nature, justification, and legal protection of human rights for minorities, with reference to the issues surrounding social milieu as a source of any legitimized law, which is in itself in need of legal recognition as well as being an object of legal protection. With contributions from a global network of scientists across several continents, the work examines the debate dedicated to the understanding of the normative framework, expressed in terms of human rights that guarantee autonomous action in public and private for minority groups as well as individuals. The chapters go on to study the particular claims that need to be audible and visible for others in the public sphere with reference to the legal protection of human rights. The work concludes with the completion of an interpretative circle debating the issues of legal consensus and legal identity with respect to the specificity of the patterns and modes guiding human interactions. Going beyond the legal analysis to discuss communication strategies in human rights, this collection will be of great interest to those studying the philosophy and theory of law, practical philosophy in general, political sciences and theory of democracy.
Towards Recognition of Minority Groups: Legal and Communication Strategies (Law, Language and Communication)
by Marek Zirk-Sadowski Bartosz WojciechowskiThis volume analyses current debates concerning problems in the nature, justification, and legal protection of human rights for minorities, with reference to the issues surrounding social milieu as a source of any legitimized law, which is in itself in need of legal recognition as well as being an object of legal protection. With contributions from a global network of scientists across several continents, the work examines the debate dedicated to the understanding of the normative framework, expressed in terms of human rights that guarantee autonomous action in public and private for minority groups as well as individuals. The chapters go on to study the particular claims that need to be audible and visible for others in the public sphere with reference to the legal protection of human rights. The work concludes with the completion of an interpretative circle debating the issues of legal consensus and legal identity with respect to the specificity of the patterns and modes guiding human interactions. Going beyond the legal analysis to discuss communication strategies in human rights, this collection will be of great interest to those studying the philosophy and theory of law, practical philosophy in general, political sciences and theory of democracy.
Smart Health rechtsverträglich gestaltet: Ubiquitous Computing in der Gesundheitspflege und -vorsorge (DuD-Fachbeiträge)
by Julia ZirfasJulia Zirfas beschreibt die neuen Entwicklungen des Ubiquitous Computing, einer allgegenwärtigen Technik, die losgelöst von der Interaktion mit einem feststehenden Gerät zu einer für den Nutzer nahezu unsichtbaren Technikanwendung geworden ist. Diese Technik hat in der Gesundheitspflege und -vorsorge ein besonders großes Potenzial, die Behandlung von Patienten zu verändern und zu verbessern, sie kann hier aber auch die größten negativen Effekte zur Folge haben. Die Autorin untersucht das geltende Recht daraufhin, ob es diesen Entwicklungen gewachsen ist und leitet konkrete (technische) Handlungsempfehlungen für den Einsatz und die Entwicklung von Ubiquitous Computing ab.
The Oxford Introductions to U.S. Law: Torts (Oxford Introductions to U.S. Law)
by Benjamin C. Zipursky John C.P. GoldbergTorts--personal injury law--is a fundamental yet controversial part of our legal system. The Oxford Introductions to U.S. Law: Torts provides a clear and comprehensive account of what tort law is, how it works, what it stands to accomplish, and why it is now much-disputed. Goldberg and Zipursky--two of the world's most prominent tort scholars--carefully analyze leading judicial decisions and prominent tort-related legislation, and place each event into its proper context. Topics covered include products liability, negligence, medical malpractice, intentional torts, defamation and privacy torts, punitive damages, and tort reform.
Law and the Arab–Israeli Conflict: The Trials of Palestine (UCLA Center for Middle East Development (CMED) series)
by Steven E. ZippersteinDuring the British Mandate for Palestine (1922–1948), Arabs and Jews repeatedly used the law to gain leverage and influence international opinion, especially in three dramatic and largely forgotten trials involving two issues: the interplay between conflicting British promises to the Arabs and Jews during World War I, and the parties’ rights and claims to the Wailing Wall. Focusing on how all three parties – Arab, Jewish, and British – used the law and the legal process to advance their objectives during the Mandate years, this volume reveals how the parties availed themselves – with varying degrees of success – of the law and the legal process. The book examines various legal arguments they proffered, and how that early tendency to resort to the law as a tool, a resource, and a weapon in the conflict has continued to this day. The research relies almost entirely on primary source documents, including transcripts of the public and secret testimony before the Shaw, Lofgren, and Peel Commissions, diaries, letters, government files, and other original sources. This study explores the origins of many of the fundamental legal arguments in the Arab–Israeli conflict that prevail to this day. Filling a gap in research, this is a key text for scholars and students interested in the Arab–Israeli conflict, Lawfare, and the Middle East.
Law and the Arab–Israeli Conflict: The Trials of Palestine (UCLA Center for Middle East Development (CMED) series)
by Steven E. ZippersteinDuring the British Mandate for Palestine (1922–1948), Arabs and Jews repeatedly used the law to gain leverage and influence international opinion, especially in three dramatic and largely forgotten trials involving two issues: the interplay between conflicting British promises to the Arabs and Jews during World War I, and the parties’ rights and claims to the Wailing Wall. Focusing on how all three parties – Arab, Jewish, and British – used the law and the legal process to advance their objectives during the Mandate years, this volume reveals how the parties availed themselves – with varying degrees of success – of the law and the legal process. The book examines various legal arguments they proffered, and how that early tendency to resort to the law as a tool, a resource, and a weapon in the conflict has continued to this day. The research relies almost entirely on primary source documents, including transcripts of the public and secret testimony before the Shaw, Lofgren, and Peel Commissions, diaries, letters, government files, and other original sources. This study explores the origins of many of the fundamental legal arguments in the Arab–Israeli conflict that prevail to this day. Filling a gap in research, this is a key text for scholars and students interested in the Arab–Israeli conflict, Lawfare, and the Middle East.
Zionism, Palestinian Nationalism and the Law: 1939-1948 (UCLA Center for Middle East Development (CMED))
by Steven E. ZippersteinDuring the last decade of the British Mandate for Palestine (1939–1948), Arabs and Jews used the law as a resource to gain leverage against each other and to influence international opinion. The parties invoked "transformational legal framing" to portray the essentially political-religious conflict as a legal dispute involving claims of justice, injustice, and victimisation, and giving rise to legal/equitable remedies. Employing this form of narrative and framing in multiple "trials" during the first 15 years of the Mandate, the parties continued the practice during the last and most crucial decade of the Mandate. The term "trial" provides an appropriate typology for understanding the adversarial proceedings during those years in which judges, lawyers, witnesses, cross-examination, and legal argumentation played a key role in the conflict. The four trials between 1939 and 1947 produced three different outcomes: the one-state solution in favour of the Palestinian Arabs, the no-state solution, and the two-state solution embodied in the United Nations November 1947 partition resolution, culminating in Israel's independence in May 1948. This study analyses the role of the law during the last decade of the British Mandate for Palestine, making an essential contribution to the literature on lawfare, framing and narrative, and the Arab-Israeli Conflict.
Zionism, Palestinian Nationalism and the Law: 1939-1948 (UCLA Center for Middle East Development (CMED))
by Steven E. ZippersteinDuring the last decade of the British Mandate for Palestine (1939–1948), Arabs and Jews used the law as a resource to gain leverage against each other and to influence international opinion. The parties invoked "transformational legal framing" to portray the essentially political-religious conflict as a legal dispute involving claims of justice, injustice, and victimisation, and giving rise to legal/equitable remedies. Employing this form of narrative and framing in multiple "trials" during the first 15 years of the Mandate, the parties continued the practice during the last and most crucial decade of the Mandate. The term "trial" provides an appropriate typology for understanding the adversarial proceedings during those years in which judges, lawyers, witnesses, cross-examination, and legal argumentation played a key role in the conflict. The four trials between 1939 and 1947 produced three different outcomes: the one-state solution in favour of the Palestinian Arabs, the no-state solution, and the two-state solution embodied in the United Nations November 1947 partition resolution, culminating in Israel's independence in May 1948. This study analyses the role of the law during the last decade of the British Mandate for Palestine, making an essential contribution to the literature on lawfare, framing and narrative, and the Arab-Israeli Conflict.
EU International Agreements: An Analysis of Direct Effect and Judicial Review Pre- and Post-Lisbon
by Nadine ZipperleThis book provides an analysis of the institutional and constitutional effects of EU international agreements, with a particular focus on their potential effects on private parties. The European Union has entered into a number of international agreements that raise serious fundamental rights concerns due to a lack of parliamentary and judicial scrutiny. The book addresses these issues in the context of developments contained in the Lisbon Treaty, focusing on primary and secondary sources, including German/French scholarship, as well as EU and national case law.
Justice and Faith: The Frank Murphy Story
by Greg ZipesFrank Murphy was a Michigan man unafraid to speak truth to power. Born in 1890, he grew up in a small town on the shores of Lake Huron and rose to become Mayor of Detroit, Governor of Michigan, and finally a U.S. Supreme Court Justice. One of the most important politicians in Michigan’s history, Murphy was known for his passionate defense of the common man, earning him the pun “tempering justice with Murphy.” Murphy is best remembered for his immense legal contributions supporting individual liberty and fighting discrimination, particularly discrimination against the most vulnerable. Despite being a loyal ally of Franklin Delano Roosevelt, when FDR ordered the removal of Japanese Americans during World War II, Supreme Court Justice Murphy condemned the policy as “racist” in a scathing dissent to the Korematsu v. United States decision—the first use of the word in a Supreme Court opinion. Every American, whether arriving by first class or in chains in the galley of a slave ship, fell under Murphy’s definition of those entitled to the full benefits of the American dream. Justice and Faith explores Murphy’s life and times by incorporating troves of archive materials not available to previous biographers, including local newspaper records from across the country. Frank Murphy is proof that even in dark times, the United States has extraordinary resilience and an ability to produce leaders of morality and courage.
Roman Law and Latin Literature
by Ioannis Ziogas Erica M. BexleyThis volume offers a long overdue appraisal of the dynamic interactions between Roman law and Latin literature. Despite there being periods of massive tectonic shifts in the legal and literary landscapes, the Republic and Empire of Rome have not until now been the focus of interdisciplinary study in this field. This volume brings vital new material to the attention of the law and literature movement. An interdisciplinary approach is at the heart of this volume: specialists in Roman law rarely engage in constructive dialogue with specialists in Latin literature and vice versa but this volume bridges that divide. It shows how literary scholars are eager to examine the importance of law in literature or the juridical nature of Latin literature, while Romanists are ready to embrace the interactions between literary and legal discourse. This collection capitalizes on the opportunity to open a fruitful dialogue between scholars of Latin literature and Roman law and thus makes a major, much-needed contribution to the growing field of law and literature.
Roman Law and Latin Literature
by Ioannis Ziogas Erica M. BexleyThis volume offers a long overdue appraisal of the dynamic interactions between Roman law and Latin literature. Despite there being periods of massive tectonic shifts in the legal and literary landscapes, the Republic and Empire of Rome have not until now been the focus of interdisciplinary study in this field. This volume brings vital new material to the attention of the law and literature movement. An interdisciplinary approach is at the heart of this volume: specialists in Roman law rarely engage in constructive dialogue with specialists in Latin literature and vice versa but this volume bridges that divide. It shows how literary scholars are eager to examine the importance of law in literature or the juridical nature of Latin literature, while Romanists are ready to embrace the interactions between literary and legal discourse. This collection capitalizes on the opportunity to open a fruitful dialogue between scholars of Latin literature and Roman law and thus makes a major, much-needed contribution to the growing field of law and literature.
Sexual Violence and Restorative Justice
by Estelle Zinsstag Marie KeenanConcerned by the high attrition rates for sexual crime and the secondary victimization experienced by victims during their participation in the criminal justice system, this book analyses the extent to which restorative justice can address the justice gap that exists in current justice provision. Building on clinical experience and earlier research on sexual crime the authors engage with the complex dynamics and traumatic impact of sexual crime as a critical starting point for their research and examine whether restorative justice can contribute to a more enhanced justice response. The book presents extensive new data on restorative justice as applied in sexual violence cases across the globe. It engages with feminist concerns regarding the traumatic impact of sexual violence and the power imbalances that characterise these offences, as well as the potential for re-traumatisation and re-victimisation during the judicial process. While there is a risk of coercion of the victim to participate in the process, and manipulation of restorative justice by the offender, restorative justice has the potential to lead to the reprivatisation of sexual crime and ultimately to its decriminalisation. Having examined these topics in detail, the book concludes there is an important role for restorative justice in addressing the justice gap that exists after sexual crime and offers guidance on how this can be achieved.
Challenges in Implementing Corporate Governance: Whose Business is it Anyway?
by John Zinkin"John Zinkin's new book on Challenges in Implementing Corporate Governance is a welcome addition for board members and senior management on how to improve corporate governance in the post-crisis period. John correctly identifies that most boards on underperforming companies have three elements of failure: a lack of proper understanding of the business and its strategy; a total lack of appreciation of both the strategic and systemic risks created by new product markets; and a total failure by boards to ensure that the incentive structures for top management reflect long-term needs rather than short-term profits, thereby putting the company's future at risk. John has written a useful and practical handbook that is a must read for all board members on how to improve corporate governance."—Datuk Seri Panglima Andrew Sheng, Chief Adviser, China Banking Regulatory Commission and the Boards of the Qatar Financial Centre Regulatory Authority , Sime Darby Berhad and Khazanah Nasional "This timely book will interest those wanting to improve corporate governance and risk management. It should also appeal to anyone curious about what caused banks to fail in a number of markets in recent times, and the values which led to this failure. In considering principles which are essential to good governance, ACCA recognizes that corporate governance evolves and improves over time. We accept that organizations in different sectors and across the world operate in diverse environments in terms of culture, regulation, legislation and enforcement. What is appropriate, in terms of governance, for one type of organization will not be appropriate to all organizations. John Zinkin’s book seeks to address this challenge, analyzing the essential cultural and behavioral issues which sit at the heart of the challenges."—Paul Moxey, Head of Risk Management and Corporate Governance, Association of Chartered Certified Accountants "A scholarly combination of practical guidelines and strategic vision."—Lady Sylvia Jay CBE, Vice-Chairman, L'Oreal UK; Independent Director, Alcatel-Lucent, Compagnie de Saint Gobain, Lazard Limited and Carrefour "This is a highly topical and timely publication. Globally, the crisis that has gripped the financial services sector following the failure of well known global banks in recent years has focused attention on corporate governance. To restore confidence in the financial services sector is a long-term goal and effective corporate governance, together with the closely associated topic of risk management, has gripped not only governments and banks, but the public too. In this book, John Zinkin clearly asserts that financial institutions need to exert their responsibilities beyond their shareholders and far more into the wider group of stakeholders, including employees and wider society. In considering issues globally, John provides a book that is not only thought-provoking but pragmatic and useful at a time when stakeholders in our banks need to see real change in transparent, practical ways from those charged with governing our banks."—Ruth Martin, Managing Director, The Chartered Institute of Securities and Investment
Challenges in Implementing Corporate Governance: Whose Business is it Anyway?
by John Zinkin"John Zinkin's new book on Challenges in Implementing Corporate Governance is a welcome addition for board members and senior management on how to improve corporate governance in the post-crisis period. John correctly identifies that most boards on underperforming companies have three elements of failure: a lack of proper understanding of the business and its strategy; a total lack of appreciation of both the strategic and systemic risks created by new product markets; and a total failure by boards to ensure that the incentive structures for top management reflect long-term needs rather than short-term profits, thereby putting the company's future at risk. John has written a useful and practical handbook that is a must read for all board members on how to improve corporate governance."—Datuk Seri Panglima Andrew Sheng, Chief Adviser, China Banking Regulatory Commission and the Boards of the Qatar Financial Centre Regulatory Authority , Sime Darby Berhad and Khazanah Nasional "This timely book will interest those wanting to improve corporate governance and risk management. It should also appeal to anyone curious about what caused banks to fail in a number of markets in recent times, and the values which led to this failure. In considering principles which are essential to good governance, ACCA recognizes that corporate governance evolves and improves over time. We accept that organizations in different sectors and across the world operate in diverse environments in terms of culture, regulation, legislation and enforcement. What is appropriate, in terms of governance, for one type of organization will not be appropriate to all organizations. John Zinkin’s book seeks to address this challenge, analyzing the essential cultural and behavioral issues which sit at the heart of the challenges."—Paul Moxey, Head of Risk Management and Corporate Governance, Association of Chartered Certified Accountants "A scholarly combination of practical guidelines and strategic vision."—Lady Sylvia Jay CBE, Vice-Chairman, L'Oreal UK; Independent Director, Alcatel-Lucent, Compagnie de Saint Gobain, Lazard Limited and Carrefour "This is a highly topical and timely publication. Globally, the crisis that has gripped the financial services sector following the failure of well known global banks in recent years has focused attention on corporate governance. To restore confidence in the financial services sector is a long-term goal and effective corporate governance, together with the closely associated topic of risk management, has gripped not only governments and banks, but the public too. In this book, John Zinkin clearly asserts that financial institutions need to exert their responsibilities beyond their shareholders and far more into the wider group of stakeholders, including employees and wider society. In considering issues globally, John provides a book that is not only thought-provoking but pragmatic and useful at a time when stakeholders in our banks need to see real change in transparent, practical ways from those charged with governing our banks."—Ruth Martin, Managing Director, The Chartered Institute of Securities and Investment