Description: Compares techniques used by the allies to win WWII e.g., transparency, collaboration, and breaking down silos to how to avert financial crises. Also compares a high-involvement ERM & business intelligence 'BI' technique to a control ERM & BI.

Description: This essay argues against the securitization of residential mortgages. The originating lending institution should have significant skin in the game when it makes a loan, but the securitization process removes this important financial control.

Description: This essay examines the root causes of the 2008 global financial crisis precipitated by the bursting of the housing bubble. The author suggests that if fraud is not addressed, future crises, perhaps even worse, will occur.

Description: When regulators examine financial institutions, one of the most important areas on which they focus is capital requirements. This essay argues that we can’t push for neither too high nor too low default probabilities. Regulate too high and you introduce rigidity to the system: you choke the economy. Regulate too low and you introduce softness in your foundations: they cannot for long sustain the economy. Therefore, regulation should be set to provide a 'window for business'.

Description: This essay examines the root causes of the 2008 global financial crisis precipitated by the bursting of the housing bubble. The author suggests that if fraud is not addressed, future crises, perhaps even worse, will occur.