New rules and regulations are necessary to provide better safeguards that more accurately reflect the changing "road and weather conditions" of our economic environment. However, as the pendulum of ethical behavior swings back and forth through time, well-founded rules and regulations are only as good as their level of enforcement.

Had there not been such a significant breakdown in the ethical standard of enforcing the rules and regulations that have been on the books for some time, "crisis" would not be the dominant word used to describe our current economic situation.

When we get behind the wheel of a car, it is the responsibility of each and every one of us to drive their vehicle in such a manner that maintains safety for themselves and others, regardless of what the road and weather conditions may be -- or we pay the price.

Through Core Asset Conservation, the individual takes back control and ownership of their future. By taking the initiative to reduce the level of risks associated with one's core assets, the individual is in a much stronger position to keep themselves and their families in step with the unalterable cycles and milestones of life, regardless of what a changing economic environment may put before them.

Ultimately, ethical systems that stand the test of time are built, maintained and sustained by a preponderance of ethical individuals... a simple fact of life.