"Sweeping changes have taken place within financial services over the course of the past thirty years in response to a variety of influences, such as changes in customer attitudes, an evolving regulatory environment, innovations in information technology and the intense level of competition...

"The business environment is our environment, it is the world we live in and all aspects of the business environment should be viewed in terms of people. Business ethics is about fairness in how a business operates; a business environmental policy is about how we pollute or preserve our own...