Temple Beth Jacob Shavuot Talk052809

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  • Definition of proselyte from http://en.wikipedia.org/wiki/Proselytes A righteous proselyte[5] was a Gentile who had converted to Judaism, was bound to all the doctrines and precepts of the Jewish economy, and was considered a full member of the Jewish people. They were to be circumcised and immersed in a mikvah should they wish to eat of the Passover sacrifice. A gate proselyte[6] was a "resident alien" who lived in the Land of Israel and followed some of the customs. They were not required to be circumcised nor to comply with the whole of the Torah. They were bound only to conform to the so-called seven precepts of Noah, the Noahide Laws: do not worship idols, do not blaspheme God's name, do not murder, do not commit immoral sexual acts, do not steal, do not tear the limb from a living animal, and do not fail to establish courts of justice. Besides these laws, however, they were also required to abstain from work on the Sabbath, and to refrain from the use of leavened bread during the time of the Passover.
  • Discussion of Interest Chapter 7 in Meir Tamari’s In the Marketplace: Jewish Business Ethics ,
  • Nicholas Poussin (1633) Painting http://www.nationalgallery.org.uk/cgi-bin/WebObjects.dll/CollectionPublisher.woa/wa/work?workNumber=NG5597 Moses Breaking the Tablets of the Law by Gustave Dore (1865) http://en.wikipedia.org/wiki/File:Moses_dore.jpg
  • Image of Golden Calf http://scatt.bilegrip.com/goldencalf.jpg Edward G. Robinson as Dathan in the 10 Commandments http://farm4.static.flickr.com/3492/3228547410_fc5815fe00.jpg?v=0 and http://farm4.static.flickr.com/3497/3232300099_0c00798d5e.jpg?v=0 Edward G. Robinson as Dathan and Yul Brynner as Rameses http://farm4.static.flickr.com/3130/3225597774_c5ea21490f.jpg?v=0 Charleton Heston as Moses http://farm4.static.flickr.com/3358/3227694579_5065bc5e13.jpg?v=0 Palace Scene http://farm4.static.flickr.com/3463/3225577574_abd1a8c2f0.jpg?v=0
  • Timeline from http://www.juntosociety.com/histtimeline/BC.html 1300 BCE Mpses received 10 Commandments 500 BCE Torah 39 Books of Moses completed Timeline from http://www.bibletruths.net/Archives/BTAR199.htm 1571 BCE Moses born 1549 BCE Moses receives 10 Commandments after leaving Eqypt 398 BCE Torah 39 Books of Moses completed Cow/Calf Drachmas from Apollonia and Dyrrhachium http://www.geocities.com/asklapiadas/#Symbolism The best-known, long series of cow/calf type silver drachms were produced from the end of the third century till the first half of the first century BC, the picture shows one of these from Apollonia. From before 500BCE, Gorgon head & bull from Eretria The Gorgoneion and Bull’s head may be symbols of the worship of Artemis Amarysia, a Moon-goddess (?) whose sanctuary near Eretria remained, down to a late date, a kind of Amphictyonic centre for all central and southern Euboea. http://snible.org/coins/hn/euboea.html From 229 BCE, Cow & Calf from Appolonia http://www.forumancientcoins.com/moonmoth/coins/apollonia_001.html and http://www.forumancientcoins.com/moonmoth/coins/pics/apollonia/apollonia_001.jpg
  • http://www.worldmapper.org/images/hires/322_ecol_footprint-ea-cart.tif
  • President Barack Obama and First Lady Michelle Obama walk down Pennsylvania Avenue enroute to the White House, Tuesday, Jan. 20, 2009. Photo/Doug Mills, New York Times http://www.whca.net/mills-obama-walking960.jpg 389 years of progress http://www.wallstats.com/389yearsago/
  • NY Times photo of Bernard Madoff, right, in 1993 at a House hearing with David S. Ruder, formerly of the S.E.C., center, and Richard Grasso of the New York Stock Exchange http://graphics8.nytimes.com/images/2009/01/25/business/25bernie.large2.jpg New York Magazine cover of Bernie Madoff http://blogs.villagevoice.com/runninscared/NYMadoff.jpg Conde Nast Portfolio http://www.iliketotellstories.com/uploaded_images/Madoff_cover.jpg NY Post Cover http://www.jewishchronicle.org/article_image/000690-madoffnypost.jpg
  • Image Source http://www.newyorker.com/images/2008/12/22/p233/081222_r18074_p233.jpg Bailout amounts Job losses http://blogs.wsj.com/economics/2009/01/09/worst-year-since-1945-with-more-pain-to-come/trackback/ More banks will fail http://blogs.wsj.com/marketbeat/2009/01/06/banks-credit-quality-expected-to-worsen/trackback/ Decline in residential & commercial property markets http://online.wsj.com/article/SB123085781068147847.html Unemployment rate http://www.bls.gov/news.release/pdf/empsit.pdf Off the cliff REITs http://online.wsj.com/article/SB123067570012543757.html?mod=loomia&loomia_si=t0:a16:g2:r1:c0.034484:b0 Stock market losses http://www.bloomberg.com/apps/news?pid=20601109&refer=home&sid=ataVotdLreS0
  • Inspired by Moses Pava’s Business Ethics a Jewish Perspective : Why we fail at business ethics and how we might succeed, p. 39
  • SEC knew of Madoff scam since 1999 http://www.sec.gov/news/press/2008/2008-297.htm
  • Manning & Morris, The Ancient Economy p.86, cites Polanyi’s Great Transformation & Our Osolete Market Mentality for conclusion that society uses 3 main mechanisms to provide citizens goods & services
  • Environmentalism http://www.jlaw.com/Articles/environmentbible2.pdf Geneivat da'at http://www.jlaw.com/Articles/geneivatdaat.html Healthy competition http://www.jlaw.com/Articles/hasagatgevul.html Stumbling block before the blind http://www.jlaw.com/Articles/placingstumbling.html Interest limits http://www.jlaw.com/Articles/venture_notes.html#Note5 Bad advice/sin http://www.jlaw.com/Articles/interestAndTheBlindBorrower.pdf
  • Copyright 2009 Urban Logic, Inc. All rights reserved. Jeff Hawkins Talk: http://www.ted.com/index.php/talks/view/id/125 David Pogue Talk: http://www.ted.com/index.php/talks/view/id/7 Jan Chipchase http://www.ted.com/index.php/talks/view/id/190 Murray Gell-Mann: http://www.ted.com/index.php/talks/view/id/194 Jacqueline Novogratz: http://www.ted.com/index.php/talks/view/id/157 Larry Lessig http://www.ted.com/index.php/talks/view/id/187 James Howard Kunstler http://www.ted.com/index.php/talks/view/id/121 Nora York http://www.ted.com/index.php/talks/view/id/81 Eddi Reader http://www.ted.com/index.php/talks/view/id/110 Chris Anderson http://edge.org/q2007/q07_1.html#andersont
  • Ashraf Ghani estimated 90% of foreign aid in Afghanistan was wasted http://www.rawa.org/rebuild2.htm George Ayittey http://www.utexas.edu/conferences/africa/ads/943.html
  • Wall Stats http://img297.imageshack.us/img297/5927/wallstatsdatlarge.jpg Obama & Geitner http://www.zimbio.com/pictures/U2oCIv9xlmV/President+Obama+Makes+Remarks+Tax+Reform/xoHW6-BWX3I/Timothy+Geithner
  • SuperBowl http://www.nfl.com/superbowl/stats?type=team Baseball http://mlb.mlb.com/mlb/stats/index.jsp
  • http://www.fivethirtyeight.com/search/label/today%27s%20polls
  • Temple Beth Jacob Shavuot Talk052809

    1. 1. Jewish Business Ethics our traditional currency, revisited Bruce Cahan President, Urban Logic Ashoka Fellow Stanford Center for Internet & Society (non-resident fellow) Presented at Shavuot Study Night Congregation Beth Jacob - May 28, 2009 © 2009 Urban Logic, Inc.
    2. 2. Nature of Money <ul><li>Money derives legitimacy from three factors: </li></ul><ul><li>Specie or bullion of rare metal or commodity </li></ul><ul><li>Paper backed by such specie or bullion </li></ul><ul><li>Paper accepted by government to pay taxes </li></ul><ul><li>Historical Perspective: </li></ul><ul><li>In Halachic days, money enabled communally transparent exchange of goods & services </li></ul><ul><li>Today, 95% of bank assets are “bank created debt money” based on trust = our fragile money supply </li></ul>© 2009 Urban Logic, Inc.
    3. 3. Jewish Aversion to Interest <ul><li>Biblically, can’t charge community interest </li></ul><ul><li>When you lend money to My people, to the poor person who is with you, do not act toward him as a creditor; do not lay interest upon him (Exodus 22:24) </li></ul><ul><li>If your brother becomes impoverished and his means falter in your proximity, you shall strengthen him – proselyte or resident – so that he can live without you. Do not take from him interest and increase…Do not give him your money for interest and do not give your food for increase. (Leviticus 25:35-37) </li></ul><ul><li>You shall not curse the deaf, and you shall not place a stumbling block before the blind (Leviticus 19:14) </li></ul>© 2009 Urban Logic, Inc.
    4. 4. Nature of Loans on Interest to Jews <ul><li>Vayikra (25:35-37) forbids taking interest on a loan from fellow Jew as an act of chesed (righteous community building) </li></ul><ul><li>Neshech – swelling of a snakebite (borrower) is forbidden by Torah as $ earned on money </li></ul><ul><li>Tarbit – unseemly growth in lender’s capital is forbidden by rabbis unless accompanied by risk or loss of liquidity </li></ul>© 2009 Urban Logic, Inc.
    5. 5. Treating Debtor with Dignity (Deuteronomy 24) <ul><li>When you make your fellow a loan of any amount, you shall not enter his home to take security for it. You shall stand outside; the man to whom you lend shall bring the security outside. </li></ul><ul><li>If that man is poor, you shall not sleep with his security. You shall return the security to him when the sun sets, and he will sleep in his garment and bless you, and for you it will be an act of righteousness before Adonai, your G_d. (24:10) </li></ul>© 2009 Urban Logic, Inc.
    6. 6. Classical Golden Calf Story: idols, sex & lies © 2009 Urban Logic, Inc.
    7. 7. Hollywood Golden Calf Story: idols, sex & lies © 2009 Urban Logic, Inc.
    8. 8. 2,500 years later: Bulls & Calves coin our Values © 2009 Urban Logic, Inc. 3 rd c. BCE 229 BCE 500 BCE
    9. 9. After 2,000 years, the world has become a harsher place, faster, without a brake © 2009 Urban Logic, Inc.
    10. 10. World Population (Year=0) © 2009 Urban Logic, Inc.
    11. 11. World Wealth (Year = 0) © 2009 Urban Logic, Inc.
    12. 12. World Population (Year = 1500) © 2009 Urban Logic, Inc.
    13. 13. World Wealth (Year = 1500) © 2009 Urban Logic, Inc.
    14. 14. World Population (Year = 1900) © 2009 Urban Logic, Inc.
    15. 15. World Wealth (Year = 1900) © 2009 Urban Logic, Inc.
    16. 16. World Population (Year = 1960) © 2009 Urban Logic, Inc.
    17. 17. World Wealth (Year = 1960) © 2009 Urban Logic, Inc.
    18. 18. World Population Today © 2009 Urban Logic, Inc.
    19. 19. World Birthrate Today © 2009 Urban Logic, Inc.
    20. 20. World Wealth (Year = 1990) © 2009 Urban Logic, Inc.
    21. 21. World Wealth (Year = 2015) © 2009 Urban Logic, Inc.
    22. 22. World Population (Year = 2030) © 2009 Urban Logic, Inc.
    23. 23. World Population (Year = 2500) © 2009 Urban Logic, Inc.
    24. 24. National Savings Rates © 2009 Urban Logic, Inc.
    25. 25. World Finance (Net Exporters) © 2009 Urban Logic, Inc.
    26. 26. World Finance (Net Importers) © 2009 Urban Logic, Inc.
    27. 27. The Undernourished (Year = 1990) © 2009 Urban Logic, Inc.
    28. 28. The Undernourished (Year = 2000) © 2009 Urban Logic, Inc.
    29. 29. The Blind, at birth or by disease © 2009 Urban Logic, Inc.
    30. 30. Peoples Affected by Disaster © 2009 Urban Logic, Inc.
    31. 31. Peoples touched by War 1945-2004 © 2009 Urban Logic, Inc.
    32. 32. Urbanized, living in cities © 2009 Urban Logic, Inc.
    33. 33. Urban Growth © 2009 Urban Logic, Inc.
    34. 34. Biocapacity © 2009 Urban Logic, Inc.
    35. 35. Ecological footprint © 2009 Urban Logic, Inc.
    36. 36. Life Expectancy © 2009 Urban Logic, Inc.
    37. 37. What a difference a year makes The Good The Bad The Downright Horrific © 2009 Urban Logic, Inc.
    38. 38. 2008 Hope & Change come to Washington © 2009 Urban Logic, Inc.
    39. 39. Hope & Change must come to Wall Street © 2009 Urban Logic, Inc.
    40. 40. How Jewish Funders Responded to Madoff © 2009 Urban Logic, Inc.
    41. 41. 2008 U.S. Housing Bubble, bursts Triggering a global credit crisis © 2009 Urban Logic, Inc.
    42. 42. 2008 was a disaster, financially <ul><li>U.S. lost 2.6 million jobs, the most since 1945 </li></ul><ul><li>Now 8.9% Americans unemployed </li></ul><ul><li>Residential & commercial property markets collapsed 20% </li></ul><ul><li>Global stock markets lost $30 trillion (half their value) </li></ul><ul><li>U.S. stock markets lost $7.2 trillion </li></ul><ul><li>Foreclosures doubled </li></ul><ul><li>Banks slowed/stopped lending </li></ul><ul><li>$272 billion to bailout 315 banks </li></ul><ul><li>$152 billion to bailout AIG Insurance </li></ul><ul><li>25 U.S. banks failed in 2008 </li></ul><ul><li>Another 36 U.S. banks failed in 2009 (as of May 22, 2009) </li></ul>© 2009 Urban Logic, Inc.
    43. 43. Housing Prices Inflated Bank Stocks © 2009 Urban Logic, Inc.
    44. 44. Bankers’ Version of Prisoner’s Dilemma © 2009 Urban Logic, Inc. If Banks 1 and 2 operate in private, in secret, they distrust each other’s commitment to mutual protection, go it alone, and hope for a $6,000 payoff by assuming the other altruistically will look out for their competitor If Banks 1 and 2 operate transparently, sharing the information they know of the underlying risks and certainty of collaborative action regarding those risks, each is assured a $4,000 profit Payoffs to Banks 1 and 2 Bank 1 looks out for Bank 2 Bank 1 looks out for itself & goes it alone Bank 2 looks out for Bank 1 Banks 1 & 2 each get $4,000 = $8,000 total due to shared risk allocations & reductions Bank 1: $6,000 Bank 2: $0 = $6,000 total Bank 2 looks out for itself & goes it alone Bank 1: $0 Bank 2: $6,000 = $6,000 total Banks 1 & 2 each get $2,000 = $4,000 total due to individual risk exposure & absorption
    45. 45. Swiss Banks weren’t immune © 2009 Urban Logic, Inc.
    46. 46. U.S. Bailout exposed CRA : Odd Community Benchmark © 2009 Urban Logic, Inc.
    47. 47. 2008 was a disaster, ethically <ul><li>U.S. Treasury demands TARP funds to help homeowners, without transparency </li></ul><ul><li>Banks & AIG use bailout funds to party, buy market share or pay bonuses </li></ul><ul><li>Car company executives jet to DC for aid </li></ul><ul><li>Bernard Madoff’s $50 billion Ponzi scheme abused the trust of Jews & non-Jews, capping 10 years when SEC failed to act </li></ul>© 2009 Urban Logic, Inc.
    48. 48. Economics societies leverage <ul><li>Ways societies distribute goods & services: </li></ul><ul><li>Exchange supported by market mechanisms </li></ul><ul><li>Redistribution by centralized political structures </li></ul><ul><li>Reciprocity by institutions of kinship & friendship </li></ul>© 2009 Urban Logic, Inc.
    49. 49. Simple rules of Agrarian Economy (Leviticus 19) <ul><li>Do not turn to the idols, and molten gods shall you not make for yourselves (19:4) </li></ul><ul><li>Questions: </li></ul><ul><li>Does “molten gods” refer to money, wealth and property? </li></ul><ul><li>Is natural capital (environment) more valuable than manmade capital (infrastructure) or financial capital (monetary wealth)? </li></ul>© 2009 Urban Logic, Inc.
    50. 50. Simple rules of Agrarian Economy (Leviticus 19) <ul><li>When you reap the harvest of your land, you shall not complete your reaping to the corner of your field, and the gleanings of your harvest you shall not take. </li></ul><ul><li>You shall not pick the undeveloped twigs of your vineyard; and the fallen fruit of your vineyard you shall not gather; for the poor and the proselyte shall you leave them (19:9-10) </li></ul><ul><li>Questions: </li></ul><ul><li>Can business feed the poor from gleanings deliberately left? </li></ul><ul><li>Is part of ethical business, letting employees build new innovations out of undeveloped twigs to create their own businesses? </li></ul><ul><li>This sounds like triple-bottom line management </li></ul>© 2009 Urban Logic, Inc.
    51. 51. Simple rules of Agrarian Economy (Leviticus 19) <ul><li>You shall not steal; you shall not deny falsely and you shall not lie one man to his fellow (19:11) </li></ul><ul><li>You shall not swear falsely (19:12) </li></ul><ul><li>You shall not cheat your fellow and you shall not rob (19:13) </li></ul><ul><li>Questions: </li></ul><ul><li>Would you rush to correct a falsehood in business? </li></ul><ul><li>Can advertising and promotion be ethical? </li></ul><ul><li>What is a fully-informed win:win business transaction? </li></ul>© 2009 Urban Logic, Inc.
    52. 52. Simple rules of Agrarian Economy (Leviticus 19) <ul><li>A worker’s wage shall not remain with you overnight until morning You shall not cheat your fellow and you shall not rob (19:13) </li></ul><ul><li>You shall not cheat a poor or destitute hired person among your brethren, or a proselyte who is in your land, or one who is in your cities. On that day you shall pay his hire; the sun shall not set upon him, for he is poor, and his life depends on it; let him not call out against you to Adonai, for it shall be a sin in you. (Deuteronomy 24:14) </li></ul><ul><li>Questions: </li></ul><ul><li>Are workers’ and shareholders’ rights required business processes, as core functions? </li></ul><ul><li>Are pensions that invest in a company’s own stock ethical? </li></ul><ul><li>If a business is sold or changed, what rights ethically accrued to the old employees? What retirement/retraining have they earned? </li></ul>© 2009 Urban Logic, Inc.
    53. 53. Simple rules of Agrarian Economy (Leviticus 19) <ul><li>You shall not curse the deaf, and you shall not place a stumbling block before the blind (19:14) </li></ul><ul><li>Questions : </li></ul><ul><li>Can ADA compliance be a revenue source? </li></ul><ul><li>If your company enables consumers to over-consume or borrowers to buy what they can’t afford, is that ethical? </li></ul><ul><li>What would it take to turn those processes from unethical to ethical? </li></ul>© 2009 Urban Logic, Inc.
    54. 54. Simple rules of Agrarian Economy (Leviticus 19) <ul><li>You shall not commit a perversion of justice; you shall not favor the poor and you shall not honor the great; with righteousness shall you judge your fellow. (19:15) </li></ul><ul><li>You shall not commit a perversion in justice, in measures of length, weight or volume. You shall have correct scales, correct weights, correct dry measures, and correct liquid measures (19:35) </li></ul><ul><li>Questions: </li></ul><ul><li>Is trading on inside information condemned here? </li></ul><ul><li>Is it ethical to sell a financial instrument or other item whose safety, value or market function is tainted or unsuited to clear measurement? </li></ul>© 2009 Urban Logic, Inc.
    55. 55. Other Jewish Business Ethics <ul><li>Man was placed on Earth to work & protect it (Gen. 2:15) </li></ul><ul><li>Thou shalt not deceive in business dealings nor “steal the mind” of any consumer or innovator ( Geneivat da'at ) </li></ul><ul><li>Provide neither the means or bad (self-serving) advice to commit sin ( Sifra, Kedoshim, parshasa 2, perek 7 ) </li></ul><ul><li>Competition must be fair, spread out so “all fishermen have a chance to catch fish” ( Gemara ) </li></ul>© 2009 Urban Logic, Inc.
    56. 56. Intersections Inspired by TED <ul><li>Our brains are prediction machines, based on taking in and storing experience Jeff Hawkins (Palm) </li></ul><ul><li>Our physics is built on the beauty of nested layers of simple relationships Murray-Gell Mann, physicist </li></ul><ul><li>Our society is built by seeing, acting on and communicating the meaningful in your life Tony Robbins, life coach </li></ul><ul><li>Simplicity sells David Pogue (NY Times technology critic) </li></ul><ul><li>Dignity means more than wealth. Patient capital means more than charity. Jacqueline Novogratz (Acumen Fund) </li></ul><ul><li>Democratization of content is the literacy of this generation. Lawrence Lessig (Stanford Center Internet & Society) </li></ul><ul><li>Our brains respond faster to threats, drowning out hopeful news & how to use it Chris Anderson (TED curator) </li></ul><ul><li>We need to learn how to listen to 3 billion new voices on the planet, living on $2/day Jan Chipchase (Nokia principal researcher) </li></ul><ul><li>Let’s build “public spaces” worth caring about, because life is lived locally James Howard Kunstler, urban design guru </li></ul><ul><li>I want what I can’t have. I need what I don’t want...My mind won’t stop. What I Want, sung by Nora York </li></ul><ul><li>Where are you now? Kiteflyer’s Hill, sung by Eddi Reader </li></ul>08/06/09
    57. 57. The Earth is ours, in trust © 2009 Urban Logic, Inc.
    58. 58. Bruce Cahan [email_address] Wiki: Goodbank.info/w © 2009 Urban Logic, Inc.
    59. 59. Our Planet is Semantic Fabric <ul><li>Needs are real, but mapped retrospectively </li></ul><ul><li>Capacities are locally known, but unmapped </li></ul><ul><li>Money is a social fiction, unmapped, oddly purposely </li></ul>© 2009 Urban Logic, Inc.
    60. 60. A Simple 3-Layer World Map <ul><li>Needs Layer – regional, indigenous, dynamic </li></ul><ul><li>Capacities Layer – regional, thematic, real </li></ul><ul><li>Money Layer – $ flows from here to there </li></ul>© 2009 Urban Logic, Inc.
    61. 61. Needs Layer <ul><li>Gaps in Quality of Life </li></ul><ul><li>MILLIONS of viewpoints, apolitically </li></ul><ul><li>THOUSANDS of experts & NGO’s measures </li></ul><ul><li>An agnostic space, where statistics weighted by use & relevance to regionalism </li></ul><ul><li>= Sustainable Resiliency® </li></ul>© 2009 Urban Logic, Inc.
    62. 62. Capacities Layer <ul><li>A Wikipedia® of Solutions </li></ul><ul><li>indigenous to region </li></ul><ul><li>or applicable to its Needs </li></ul>© 2009 Urban Logic, Inc.
    63. 63. Money Layer <ul><li>Spatially-tag the money aimed at </li></ul><ul><li>Creating, redressing or anticipating Needs </li></ul><ul><li>or </li></ul><ul><li>Leveraging Capacities </li></ul>© 2009 Urban Logic, Inc.
    64. 64. Example: Foreign Aid <ul><li>80% of foreign aid is wasted or untraceable </li></ul><ul><li>Too many hands handle aid money </li></ul><ul><li>No map exists of </li></ul><ul><ul><li>Authorized foreign aid funds </li></ul></ul><ul><ul><li>Projects that foreign aid was supposed to fund </li></ul></ul><ul><ul><li>What aid money actually funded </li></ul></ul>© 2009 Urban Logic, Inc.
    65. 65. Mapping Money <ul><li>XBRL: eXtensible Business Reporting Language </li></ul><ul><ul><ul><li>coupled with </li></ul></ul></ul><ul><li>Location-Based Services </li></ul><ul><ul><ul><ul><ul><li>leading to </li></ul></ul></ul></ul></ul><ul><li>Describing social conditions (GRI) as $ impacts </li></ul>© 2009 Urban Logic, Inc.
    66. 66. After 9/11, we mapped functions © 2009 Urban Logic, Inc.
    67. 67. “ Mapping” federal aid $ still elusive, unsemantic © 2009 Urban Logic, Inc.
    68. 68. We have better stats on Sports © 2009 Urban Logic, Inc.
    69. 69. We have better Stats on Politics © 2009 Urban Logic, Inc.
    70. 70. It’s time to map needs , capacities & money Let’s improve local conditions, faster than they’re declining © 2009 Urban Logic, Inc.
    71. 71. We need more ethical banks © 2009 Urban Logic, Inc.
    72. 72. We spend too much. © 2009 Urban Logic, Inc.
    73. 73. We save too little. © 2009 Urban Logic, Inc.
    74. 74. We are credit ratings. © 2009 Urban Logic, Inc.
    75. 75. We are taxpayers. © 2009 Urban Logic, Inc.
    76. 76. We are consumers. © 2009 Urban Logic, Inc.
    77. 77. We work & earn $. © 2009 Urban Logic, Inc.
    78. 78. We are borrowers. © 2009 Urban Logic, Inc.
    79. 79. We are investors. © 2009 Urban Logic, Inc.
    80. 80. We donate to charity. © 2009 Urban Logic, Inc.
    81. 81. We live to shop. © 2009 Urban Logic, Inc.
    82. 82. Banks don’t help us live. © 2009 Urban Logic, Inc.
    83. 83. Banks help us shop. © 2009 Urban Logic, Inc.
    84. 84. We strive to be good. © 2009 Urban Logic, Inc.
    85. 85. We live multi-sided financial lives, © 2009 Urban Logic, Inc.
    86. 86. disconnected © 2009 Urban Logic, Inc.
    87. 87. so as to profit others. © 2009 Urban Logic, Inc.
    88. 88. OUR spending is destroying OUR planet. © 2009 Urban Logic, Inc.
    89. 89. Credit cards help us © 2009 Urban Logic, Inc.
    90. 90. spend © 2009 Urban Logic, Inc.
    91. 91. mindlessly, © 2009 Urban Logic, Inc.
    92. 92. regardless of impact. © 2009 Urban Logic, Inc.
    93. 93. Are banks ethical? © 2009 Urban Logic, Inc.
    94. 94. Too often, banks fund © 2009 Urban Logic, Inc.
    95. 95. pollution, © 2009 Urban Logic, Inc.
    96. 96. war, © 2009 Urban Logic, Inc.
    97. 97. poverty, © 2009 Urban Logic, Inc.
    98. 98. poor health, © 2009 Urban Logic, Inc.
    99. 99. subprime mortgages, © 2009 Urban Logic, Inc.
    100. 100. BIG BONUSES! © 2009 Urban Logic, Inc.
    101. 101. WHAT ABOUT ETHICS? © 2009 Urban Logic, Inc.
    102. 102. COULD A BANK BE ETHICAL? © 2009 Urban Logic, Inc.
    103. 103. Surely, a bank can be ethical! © 2009 Urban Logic, Inc.
    104. 104. An ethical bank would © 2009 Urban Logic, Inc.
    105. 105. have the integrity to admit & fix mistakes, © 2009 Urban Logic, Inc.
    106. 106. help, not hurt, © 2009 Urban Logic, Inc.
    107. 107. use credit to reward seeking ethical choices, © 2009 Urban Logic, Inc.
    108. 108. use financial services to grow sustainability, © 2009 Urban Logic, Inc.
    109. 109. reverse threats to indigenous peoples, cultures and regions. © 2009 Urban Logic, Inc.
    110. 110. I am building an ethical bank, © 2009 Urban Logic, Inc.
    111. 111. [see www.GoodBank.info/w] © 2009 Urban Logic, Inc.
    112. 112. starting © 2009 Urban Logic, Inc.
    113. 113. in Silicon Valley © 2009 Urban Logic, Inc.
    114. 114. and going to © 2009 Urban Logic, Inc.
    115. 115. NYC, © 2009 Urban Logic, Inc.
    116. 116. DC, © 2009 Urban Logic, Inc.
    117. 117. Miami, © 2009 Urban Logic, Inc.
    118. 118. Europe. © 2009 Urban Logic, Inc.
    119. 119. We will use technology © 2009 Urban Logic, Inc.
    120. 120. to © 2009 Urban Logic, Inc.
    121. 121. harmonize data into © 2009 Urban Logic, Inc.
    122. 122. Sustainable resiliency® © 2009 Urban Logic, Inc.
    123. 123. as a regional credit rating, © 2009 Urban Logic, Inc.
    124. 124. The Means Meter® © 2009 Urban Logic, Inc.
    125. 125. to help shop ethically, © 2009 Urban Logic, Inc.
    126. 126. Procurement visualization © 2009 Urban Logic, Inc.
    127. 127. so social entrepreneurs © 2009 Urban Logic, Inc.
    128. 128. and nonprofits © 2009 Urban Logic, Inc.
    129. 129. can compete for © 2009 Urban Logic, Inc.
    130. 130. government contracts, © 2009 Urban Logic, Inc.
    131. 131. and other technologies © 2009 Urban Logic, Inc.
    132. 132. like FaceBook® & Wikipedia® © 2009 Urban Logic, Inc.
    133. 133. so ethical people © 2009 Urban Logic, Inc.
    134. 134. can use money to © 2009 Urban Logic, Inc.
    135. 135. see and reach © 2009 Urban Logic, Inc.
    136. 136. their ethical goals © 2009 Urban Logic, Inc.
    137. 137. TODAY! © 2009 Urban Logic, Inc.
    138. 138. earning © 2009 Urban Logic, Inc.
    139. 139. cash-back rewards © 2009 Urban Logic, Inc.
    140. 140. cheaper interest rates © 2009 Urban Logic, Inc.
    141. 141. while helping to grow © 2009 Urban Logic, Inc.
    142. 142. social enterprises & © 2009 Urban Logic, Inc.
    143. 143. sustainable resiliency ® © 2009 Urban Logic, Inc.
    144. 144. in regions they cherish. © 2009 Urban Logic, Inc.
    145. 145. We will use © 2009 Urban Logic, Inc.
    146. 146. Semantic Web © 2009 Urban Logic, Inc.
    147. 147. Mobile Web © 2009 Urban Logic, Inc.
    148. 148. financial literacy tools © 2009 Urban Logic, Inc.
    149. 149. across the SC: Eco © 2009 Urban Logic, Inc.
    150. 150. [Social Capital Ecosphere]. © 2009 Urban Logic, Inc.
    151. 151. Our bank branches © 2009 Urban Logic, Inc.
    152. 152. will feel different. © 2009 Urban Logic, Inc.
    153. 153. Instead of human ATMs, © 2009 Urban Logic, Inc.
    154. 154. our branches will feel © 2009 Urban Logic, Inc.
    155. 155. like Apple® Stores © 2009 Urban Logic, Inc.
    156. 156. where friends seek © 2009 Urban Logic, Inc.
    157. 157. financial literacy © 2009 Urban Logic, Inc.
    158. 158. to see, learn & improve social impacts. © 2009 Urban Logic, Inc.
    159. 159. An ethical bank © 2009 Urban Logic, Inc.
    160. 160. incubates change. © 2009 Urban Logic, Inc.
    161. 161. We are surrounded by change agents: © 2009 Urban Logic, Inc.
    162. 162. Ashoka © 2009 Urban Logic, Inc.
    163. 163. IDEO © 2009 Urban Logic, Inc.
    164. 164. McKinsey © 2009 Urban Logic, Inc.
    165. 165. Hill & Knowlton © 2009 Urban Logic, Inc.
    166. 166. Promontory Financial © 2009 Urban Logic, Inc.
    167. 167. Weil Gotshal & Manges © 2009 Urban Logic, Inc.
    168. 168. Please join us. © 2009 Urban Logic, Inc.
    169. 169. Questions? © 2009 Urban Logic, Inc.
    170. 170. Bruce Cahan [email_address] Wiki: Goodbank.info/w © 2009 Urban Logic, Inc.

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