Ma'am;... I can see you do not grasp the true nature of the problem we are dealing with...It is not just Madoff, and it is not just the failure of the bureaucracy... Certainly those are symptoms of the problem, but since lackluster bureaucrats and ponzi artsts are being made while talk; clearly, the problem is more systemic and profound... Humanity has in most places moved away from an  honor economy... We still pledge our honor, take oaths, and make a show of honor as a formality, but that is the problem, that it is all formality, and empty of meaning....We can see the workings of honor in the past...Honor, and not Helen's face, launched a thousand ships, for an example...What people have done, and yet do for honor in this world mystifies us because we are living in a totally different economy...In a money economy, cash is the equivalent of  honor... We see rich people, and we ooh, and aah, and never ask how they made their loot....Honor is presumed of wealth  just as we presume dishonor of the poor, and look at them as we look at the deformed, as moral defects... Certainly, in the past, wealth and honor may have walked hand in hand...In most respects honor was the greater wealth, and no one would count it honorable to have wealth in the midst of poverty, or to feast while ones people starved...What is going on here, is that our form of economy is beginning to displace the preceding economy of honor completely, and finally.. We have to decide which form is more important to us... If we think about it for a moment, we know no relationship is possible without honor... We could not have friends, not husbands or wives without honor... There is a reason we associate honor and oaths so much with government, and with law...Honor is essential, and for that reason wealth too, which is all the more desirable because we consider wealth honorable, so that people will trade honor in fact, to have honor in estimation.... The fact is, that where money is dear, honor is cheap...We all have our price, and those without honor will find it out... But as long as our honor is cheap, we will never be free of parasites and prisons... We need honor, and we must demand it of ourselves and others...Otherwise we can count our wealth and our honor both as history...Thanks....Sweeney