The document discusses how small countries can deal with economic downturns and the need for change in the financial sector. It notes the roots of the crisis were a corrupt value system, conflicts of interest, outrageous incentives, and short-term thinking. Emerging trends include increasing capital from women and changing values around social responsibility, but the financial sector is not seizing these opportunities. The organization Audur sees opportunities in these trends and emphasizes long-term returns, emotional capital, and putting "feminine values into finance." It advocates for balance, diversity and sustainability as both principles and results going forward.