David A. Walker AAI, CIC, LIC, ARM, CRM, CAWC President-Hartland Insurance Agency Inc. Chairman-IIABA

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1 David A. Walker AAI, CIC, LIC, ARM, CRM, CAWC President-Hartland Insurance Agency Inc. Chairman-IIABA

2 With the SEC and Federal Government regulating the big guys.. It is the marketplace that regulates small business

3 Small to Medium Size Business rely on a very delicate network of business connections

4 Gallup poll # of people who said a strict moral code is important % % Josephson Institute Survey of U.S. Students ( ) 78% said cheating on exams is wrong 90% said being kind and caring is important 2008 Josephson Institute Survey revealed 64% cheated on exams 42% lied to save money 30% stole something from a store

5 1 in 6 drink or use drugs while on the job 1 in 2 say they can get ahead by politics or cheating vs. work 1 in 4 expect to compromise personal beliefs to get ahead Admit they goof off 20% of time Feel #1 cause of business decline is low executive ethics

6 ETHIKOS = morals ETHOS = character

7 Standards of conduct based on moral duties and virtues Applying principals of right and wrong Discipline dealing with good and evil with moral duty

8 Of or relating to principles of right and wrong Conforming to a standard of right behavior

9 Values What you believe or hold important Ethics What you do

10 Honesty and integrity Respect and caring for others Recognize stakeholders rights Promise keeping Trustworthiness Fairness Personal responsibility

11 Happiness Wealth Status Power Appearance Ego A Ethical values must always trump ethically neutral values A

12 Meet deadlines Cut cost / increase production Meet immediate self-interest Gain short term benefits Protect someone Avoid punishment Win admiration / interest Avoid embarrassment

13 Virtue Ethicist Deontologist Relativist Egoist Utilitarianist

14 Person of good moral character deems appropriate Born with virtue, but can lose Can be enhanced by belief, knowledge Above and beyond

15 Focus on rights of individuals Freedom of conscience Freedom of consent Freedom of privacy Freedom of speech Due Process Intentions of behavior rather than consequences

16 From experiences of individuals and groups Use self as basis for ethical decision Actions based on group consensus

17 Seeking greatest good for the greatest number Comparison of costs to benefits for all parties Select alternative that results in greatest utility

18 Consequences for self Maximize own self interest Career growth Power Pleasure Fame Physical well being Wealth

19 A statement of core values and ethical principals designed to guide behavior and/or provide inspiration

22 Virtually every number in a corporate financial report is created by judgments and estimates made by corporate insiders whose cash bonuses depend upon meeting pre-set earnings targets. William S. Lerach Enron Class Action Lawyer

24 Uberrima Fides

25 Corporations and individuals doing the right thing Core ethical principals Honesty Integrity Responsibility Promise keeping Fairness Ethics place in business

26 Lack of leadership Poor communication Lack of consumer focus Burdensome bureaucracies Unhealthy competition

27 Truth vs. Loyalty Individual vs. Community Short-term vs. Long-term Justice vs. Mercy

28 10. Could the decision become habit forming? 9. Is it legal? 8. Is it safe? 7. Is it the right thing to do? 6.Will this stand the test of public scrutiny? 5. If something terrible were to happen, could I defend my actions? 4. Is it just, balanced, and fair? 3. How will it make me feel about myself? 2. Does this choice lead to the greatest good for the greatest number? 1. Would I do this in front of my mother?

30 The Ford Pinto Low-cost sub-compact Weight less than 2000 lbs. Cost less than $2, To market in 2 years instead of 4

33 Met all legal and government standards Car was comparably safe To modify design on 12.5 million autos $11 per unit x 12.5 million = $137 million

34 180 burn deaths ($200,000 x 180) 180 serious burn injuries ($67,000 x 180) 2100 burned vehicles ($700 x 2100) Total of $49.15 million

35 The Four Way Test Is it true? Is it fair for all? Will it build good will? Is it beneficial to all?

36 We judge others by their worst behavior We judge ourselves by our best intentions There is no single right answer to many ethical dilemmas It s easier when you don t need it

37 Questions????????

ETHICS IN SCIENCE FICTION. A Persuasive Assignment

ETHICS IN SCIENCE FICTION. A Persuasive Assignment ETHICS IN SCIENCE FICTION A Persuasive Assignment WHAT ARE ETHICS? From Wikipedia~ Ethics, also known as moral philosophy, is a branch of philosophy that addresses questions about morality that is, concepts