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Now, after having seen our world through the prism of a downward spiraling economy, and with major businesses having failed or having been reorganized and/or downsized, the challenge to maintain standards and to practice ethical behavior is compounded. While our leaders debate the pros and cons of plans to rebuild and fortify our economy, average Americans react to job losses, higher tax burdens and they begin to emerge from their bunkers where they had gone to hunker down to ride out the storm.