Drive innovation, brand loyalty and customer engagement through creating and acting on a crystallized and authentic brand purpose that demonstrates your company's commitment to making a positive impact on the world. Research demonstrates that brands who embrace purpose in a meaningful and joined-up way enjoy higher growth rates than their competitors. Purposeful Brands presents a clear and practical blueprint for defining and communicating a brand's purpose and - more importantly - creating alignment across a company to reflect what action it actually takes to support its values, including sustainability initiatives. Written for branding, marketing and communications professionals in both new and established brands of all sizes, Purposeful Brands describes how to unlock energy through fostering innovation and creativity, use storytelling and data to communicate effectively with consumers and secure buy-in from stakeholders to help drive organizational and cultural change. Featuring original research, case studies and examples from leading brands including Abercrombie & Fitch, CVSHealth, eBay and Sustainable Brands, this book is written by a leading practitioner in the space of brand purpose, impact and sustainability. It is an essential resource for embracing your brand purpose, to achieve the competitive edge and contribute to a regenerative and equitable world.

Longlisted for the FT & McKinsey Business Book of the Year Award 2017

Finance is shrouded in mystery for outsiders, while many insiders are uneasy with the disrepute of their profession. How can finance become more accessible and also recover its nobility?

Harvard Business School professor Mihir Desai takes up the cause of restoring humanity to finance. With deft wit, he draws upon a rich knowledge of literature, film, history, and philosophy to explain finance's inner workings. Through this creative approach, he shows that outsiders can easily access the underlying ideas and insiders can reacquaint themselves with the core values of their profession.

This combination of finance and the humanities creates unusual and illuminating pairings: Jane Austen and Anthony Trollope are guides to risk management; Jeff Koons becomes an advocate of leverage; and Mel Brooks' The Producers teaches us about fiduciary responsibility. In Desai's vision, the principles of finance also provide answers to critical questions in our lives: bankruptcy teaches us how to react to failure, the lessons of mergers apply to marriages, and the Capital Asset Pricing Model demonstrates the true value of relationships.

The Wisdom of Finance is a wholly unique book, offering an enlivening new perspective on one of the world's most complex and misunderstood professions.

Does economic analysis need to incorporate a more rounded and ethical view of individuals? What is the ethical status of market capitalism? How should ethical and economic considerations be weighed together?Market Capitalism and Moral Values brings together a distinguished group of academics and policy makers who provide detailed discussion of some of the key issues at the intersection of economics and ethics. This volume focuses on the effect of moral beliefs on economic conduct, recognizing that beliefs and moral codes act as restraints on economic agents just as much as limited budgets or institutional environment. These essays combine academic rigour and clarity of presentation in addressing some of the foundational questions concerning the morality of both our economic system and economic analysis. With contributions from leading academics, commentators and policymakers such as Samuel Brittan, Nigel Lawson, Amartya Sen and Robert Skidelsky, this volume will be welcomed as a stimulating, authoritative discussion of interest to all those concerned with the ethical dimension of market capitalism. Market Capitalism and Moral Values brings together a distinguished group of academics, policy advisors and policymakers who provide detailed discussion of some of the key issues at the intersection of economics and ethics. These essays combine academic rigour and clarity of presentation in addressing some of the foundational questions concerning the morality of both of our economic system and our economic analysis.

Behavioural ethics in business is an emerging field that has challenged some of the established wisdom about ethics and added some truly new insights into our understanding about decision-making and behaviour. Why do seemingly responsible employees and managers sometimes act in bad ways? This book explains how people behave in real situations and what action can be taken to nudge behaviour in a more ethical direction. This concise textbook is ideal for use in the classroom as core or additional reading on courses in business ethics and corporate social responsibility; organisational behaviour and psychology; and any module with ethics content (for example, accounting ethics and strategic management). Each chapter is presented as a story with details about the experimental designs and related research findings. The key features include learning outcomes, suggested class activities, mock assessment questions, and an annotated list of key readings and these provide a one-stop text for tutors and students interested in this increasingly important area of study.

There is much written about management fashion and about corporate social responsibility (CSR), but nothing which combines the two. This volume provides unique insight into both CSR and the travels of management ideas. It gets to the detail of CSR in practice, its institutions and actors in different contexts, and shows how it can be better understood with the broader lens of 'CSR as a management idea'. Both those with interests in CSR and in management ideas will benefit from this collection.' - Andrew Sturdy, University of Bristol, UKCSR (corporate social responsibility) has become a widely diffused concept in the business world. This book explores CSR as a management idea, that is, as a tool for organizational reform. It shows that CSR has much in common with other popular management ideas such as lean production, total-quality-management, just-in-time, business-process-reengineering and six sigma, but there are also significant differences. The book demonstrates how CSR standards are set and spread in the business community, but also what happens when CSR reaches management and is implemented and used in daily operations. The results represent a significant contribution to the literature on CSR by generalizing the concept and its operationalization. Moreover, the book contributes to organizational literature by highlighting important differences between popular management ideas and how they affect organizations. CSR as a Management Idea will prove invaluable to researchers and practitioners with an insight in the subject of CSR and business management. Students of more advanced courses in management and business ethics will also find plenty of innovative information from this important study. Contributors: M. Ardenfors, T. Borglund, N. Egels-Zanden, M. Frostenson, S. Furusten, M. Jutterstroem, M. Kallifatides, P. Norberg, S. Walter, A. Werr

This volume explores the management concept whereby companies integrate social and environmental concerns in their business operations and in their interactions with their stakeholders. This practice also benefits the company and helps it to reach its strategic goals. This volume takes interdisciplinary and multidisciplinary perspectives to exploring a multitude of themes in CSR, including corporate social responsibility in conjunction with employee quality of life, globalization, industry sustainability, environmental accountability, academic spin-off, education, empowerment of women, corporate reputation, expenditures for CSR purposes, and more. The chapter authors consider the impacts and outcomes along with the emerging challenges of incorporating CSR in an organization's business strategy. This volume is an important academic journey into some of the most relevant yet understudied issues of today. This volume will be a valuable resource for faculty and students in business as well as for industry professionals, researchers, and others.

This Companion offers comprehensive coverage of the dynamics of ethical behavior in organizations. Edited and authored by leading experts in the field, it is the ideal place to begin acquiring or updating knowledge about the moral dimension of work life.' - Adam Grant, The Wharton School, University of Pennsylvania, US'Wide-ranging in its coverage, this compendium of measures will prove a very helpful aid to researchers studying ethics in organizations. The authors have drawn together and summarized empirical measures of diverse phenomena relevant to organizational ethics - both widely studied topics, such as ethical awareness, decision making, and behavior, and newer, important research on topics such as moral identity, intuition, and emotion. Given the recent rapid growth of behavioral studies of ethics in organizations, this is a very timely work.' - Gary R. Weaver, University of Delaware, US and Senior Associate Editor, Business Ethics Quarterly Business ethics research and publications have proliferated in recent decades, coinciding with increased public interest in workplace ethical conduct. As studies of behavioral ethics extend across disciplines, scholars unknowingly worked in parallel, creating overlapping constructs and measures. Bringing clarity to the field, the Research Companion to Ethical Behavior in Organizations provides a central reference point for academics, human resource practitioners, and compliance officers interested in measuring the moral dimensions of individuals. With expert contributions, this book catalogs empirical work from management and social science disciplines, offering insights to the varied and nuanced constructs used in behavioral ethics. The authors describe and evaluate over 300 measures, including established surveys and new behavioral research techniques. Doctoral students and veteran management researchers will benefit from summaries of the latest ethics research tools and trends. Offering solutions for research challenges and suggesting new research streams and areas for fruitful study, this Companion enhances the burgeoning field of behavioral ethics. Contributors: B.R. Agle, J.B. Bingham, S.D. Brown, J.D. Carlson, K. Bell DeTienne, C. Frogley Ellertson, L, E. Garrett, R. Dailey Goodwin, D.W. Hart, H.M. Hendricks, D.C. Howe, M-C Ingerson, A.K. Klemme, C. Mealey, A. Miller, J.A. Miller, J. Camden Robinson, Z.J. Rodgers, J.A. Thompson, L.L. Wadsworth, M.C. Walsman, M.A. Widmer, A.L. Wilkins

Why is finance so important? How do stock markets work and what do they really do? Most importantly, what might finance be and what could we expect from it? Exploring contemporary finance via the development of stock exchanges, markets and the links with states, Roscoe mingles historical and technical detail with humorous anecdotes and lively portraits of market participants. Deftly combining research and autobiographical vignettes, he offers a cautionary tale about the drive of financial markets towards expropriation, capture and exclusion. Positioning financial markets as central devices in the organisation of the global economy, he includes contemporary concerns over inequality, climate emergency and (de)colonialism and concludes by wondering, in the market's own angst-filled voice, what the future for finance might be, and how we might get there.

Through the personal stories of managers running global business, this book takes an inside look into the dilemmas of managers who are asked to make profits ethically according to the dictates of their company's ethics code. It examines what companies think" they are doing to help managers in those situations and how those managers are actually affected.
Thanks to the boost from the 1991 Sentencing Guidelines which minimizes penalties for companies with ethics codes caught in ethical wrongdoing, more than 85% of US companies and two thirds of all Canadian companies and half of all European companies now have Codes of Ethics. Yet, over and over, we hear of stories of personal dilemmas and conflicts experienced by individual managers navigating those business waters in other cultures.

"Eileen Morgan does an excellent job of mapping the course for navigating the previously uncharted global ethical waters. By identifying best practices, she leads the reader on a journey from Surviving, to Understanding to Knowing the ethical issues that frequently confront international business people. This is a must read for anyone who wants to successfully compete in world markets."
-Michael J. Litwin, Executive Vice President, Chief Credit Officer, Heller Financial, Inc.
"Eileen Morgan has combined the pragmatic concerns of the individual manager with the moral concerns that come from personal-life history, cultural roots, and corporate ethical culture ...This book focuses on the constructive task of formulating and using an "ethical map," and is sure to be a tonic to conscientious managers who want to navigate cross-cultural commerce with integrity. It has done a superb job of creatingorder out of the complexity of cross-cultural moral experience by insisting that the complexity must be honored and appropriated rather than ignored or suppressed."
-Dr. Richard Beauchamp, Professor of Ethics, Christopher Newport University
"In this groundbreaking book, Eileen Morgan has provided scores of real-life examples and developed a framework for approaching ethical leadership in international business. This is mandatory reading for anyone involved in global management today...This is an important book on an important subject."
-Stephen H. Rhinesmith, Ph.D. Author, A Manager's Guide to Globalization
"Eileen Morgan provides us with a much needed roadmap for how to walk the path of ethical leadership with practical feet. She reminds us that ethical decision-making is a critical aspect of every day leadership, and that we can all choose to be 'ethical pioneers' in our companies and our communities. Every leader engaged in global business can benefit from the lessons and stories included in this book."
-Christi A. Olson, Ph.D. Chair, Telecommunications Management Department,
Golden Gate University
"Eileen Morgan's thoughtful analysis of 'ethical capital' should be read by anyone who does business in a global environment...Morgan's book presents the issue clearly, comprehensively and compellingly, demonstrating that ethics is an indispensable aspect of individual leadership and organizational credibility. ...It provides a clear roadmap for business leaders who need to communicate their commitment to integrity and accountability to their employees, their partners, and their customer, making their 'ethical capital' one of their most valuable assets."
-NellMinnow, Principal, Lens, The Corporate Governance Investors
"Eileen Morgan gives excellent insight into ethical practices. She focuses on business but her insights have general application. This book also describes differences in ethical interpretation that can arise between diverse cultures. Ms. Morgan has made an excellent contribution to understanding the benefit of positive ethical practices."
-David C. Lincoln, Sponsor, Lincoln Center for Applied Ethics, College of Business, Arizona State University; President, Arizona Oxides, LLC
- First in-depth look at how managers in global companies actually bridge the gap between their organizations and their daily decisions
- Explains the need for internal and external ethical operations]and how organizations often create confusion rather than clarity with the label of "ethics"

Businesses and the accounting profession have never been under such close ethical scrutiny because of the ethics scandals that have prevented organizations and people from reaching their objectives. Understanding why ethical behavior is so important to success and knowing potential pitfalls are key to your own success. Business & Professional Ethics for Directors, Executives & Accountants, 9e demonstrates that it's not just about learning rules. You must learn how to use ethical strategies, make ethical decisions, and integrate the latest information on ethics and governance scandals, legal liability and professional accounting and auditing issues. You must understand why developing an ethical corporate culture is essential to maintaining stakeholder support, and for auditors to audit financial statements. To keep learning interesting and underscore the importance of ethical issues, this edition provides more than 130 cases, including classic frauds, bankruptcies, loss of reputation, and unprofessional practices. Cases provide excellent opportunities for role playing and for developing your understanding of soft skills, including communications, persuasion, presentation, leadership and a global mindset.

On a world scale, the implicit deal between corporation and community is undergoing a revolution in the period 1990 2000. For the first time, corporate boardrooms are having to confront the environmental challenge not as a peripheral issue around 'public relations', but as a core issue of credibility with its customers. As trust in big business has declined, consumer willingness to alter buying behaviour to register disapproval has accelerated. As a result, boardrooms in the largest companies are having to redraw their strategic procedures regarding the environment."

With an emphasis on psychoanalytic theory, Business, Ethics and Society: Key Concepts, Current Debates and Contemporary Innovations provides a clear, concise introduction to the field of business ethics, while addressing contemporary issues and debates around the impacts of artificial intelligence, social media, the gig economy and populist politics on business and society. The book features mini-case studies from a variety of contexts and companies, including Gillette, Nike, Dove, British Airways and Microsoft, as well as thought-provoking questions throughout. Also included are: - Learning objectives - Chapter summaries - Recommended reading Business, Ethics and Society: Key Concepts, Current Debates and Contemporary Innovations serves as an ideal introductory text for students of undergraduate business ethics-related courses. Lecturers can access a range of online resources for use in their teaching, including an instructor's manual, PowerPoint slides and SAGE Business Cases.

The practice of social and ethical accounting is emerging as a key tool for companies in the 1990s in response to calls for greater transparency and accountability to different stakeholders, and as a means for managing companies in increasingly complex situations where social and environmental issues are significant in securing business success. This is the first book to address the practice of social and ethical accounting, auditing and reporting, and its implications for the development of corporate social, ethical and environmental responsibility. It includes ten case studies, as well as an historical overview of the development of social and ethical accounting and reporting. The editors introduce a methodological framework that allows emerging practice worldwide to be analysed, understood and improved; and the case studies are written by the practitioners, giving insight into the experiences described. This innovative book, written by internationally acknowledged leaders in the field, will be of enormous value to business managers, particularly those with responsibility for corporate affairs, human resources, environmental management, financial management, or planning. It will also be a useful text for business students.

Using wit and an engaging narrative style, this easy-to-digest book is ideal for managers and the general reader interested in moral decision making at work. This is the first book that attempts to link being ethical, doing the right thing in business, with personal and organizational thriving. Real-life scenarios bring the book to life. This book will be a useful required or supplemental reading for academic coursework in business ethics, human resources, business and society, organizational or professional development, or other management or senior capstone type class.

Should you take a much-needed vacation or save money for the kids' education? Protect the endangered owl or maintain jobs for loggers? Have a heart-to-heart with a lying employee or fire him on the spot?

All of us face ethical choices. Sometimes they're easy: One side is wrong and the other is right. But how do we handle the really tough "right vs. right" dilemmas, where each side has strong moral arguments and we can't do both? This book helps us build Ethical Fitness(R)--a values-based decision-making process so definitive that it's now a registered trade mark.

Rushworth M. Kidder, founder of the Institute for Global Ethics, teaches us how to think for ourselves in order to resolve ethical dilemmas ranging from the intimately personal to the broadly philosophical. Unique in its approach and rich with illustrative anecdotes--updated with examples of real-world conflicts from today's political realm and from Dr. Kidder's own observations--How Good People Make Tough Choices is an indispensable resource for spotting, understanding, and resolving our toughest decisions.

In the face of our climate emergency, we desperately need solutionists working to fix the future. This is your handbook for becoming the leader that the world needs. The Solutionists sets out what it takes to join the new generation of entrepreneurs, CEOs and leaders transforming business to create a more sustainable society. Using a change blueprint, this book coaches you through the steps, mindsets and strategies that will put your organization at the forefront and take personal ownership of sustainability solutions. With an inspiring selection of stories from leading entrepreneurs and organizations, this book illustrates how sustainability solutionists are paving the way to solving the biggest crisis our planet has ever faced whilst driving business innovation and growth. Including plant-based food sources, net-zero technologies and circular platforms, these stories demonstrate how sustainable disruption can transform your business, regardless of size or industry. Solitaire Townsend has been inspiring the world's top brands for over two decades and, along with some of the world's leading solutionists, she invites you to join the answer activists and grow your business while co-creating a better world.

Is the Bible the unembellished Word of God or the product of human agency? There are different answers to that question. And they lie at the heart of this book's powerful exploration of the fraught ways in which money, race and power shape the story of Christianity in American public life. The authors' subject is the Museum of the Bible in Washington, DC: arguably the latest example of a long line of white evangelical institutions aiming to amplify and promote a religious, political, and moral agenda of their own. In their careful and compelling investigation, Jill Hicks-Keeton and Cavan Concannon disclose the ways in which the Museum's exhibits reinforce a particularized and partial interpretation of the Bible's meaning. Bringing to light the Museum's implicit messaging about scriptural provenance and audience, the authors reveal how the MOTB produces a version of the Bible that in essence authorizes a certain sort of white evangelical privilege; promotes a view of history aligned with that same evangelical aspiration; and above all protects a cohort of white evangelicals from critique. They show too how the Museum collapses vital conceptual distinctions between its own conservative vision of the Bible and 'The Bible' as a cultural icon. This revelatory volume above all confirms that scripture - for all the claims made for it that it speaks only divine truth - can in the end never be separated from human politics.

The field of business ethics continues to expand intellectually and geographically. During the past five decades, scholars have developed and deepened their inquiries into the ethics of commercial and corporate conduct. This Companion provides a novel overview of the discipline of business ethics, covering the major areas of the field as well as new and emerging topics. The eight thematic units range over an extraordinary set of subjects and include chapters on the history and pedagogy of business ethics, moral philosophy, the nature of business, responsibilities within the firm, economic institutions, the 2008 financial crisis, globalization, and business ethics in different regions of the world. Led by a well-respected editorial team, this unique volume gathers an international array of experts whose various critical approaches yield insights from areas such as public policy, economics, law, and history, in addition to business and philosophy. With its fresh analyses, wide scope, and clarity of approach, this volume will be an essential addition to library collections in business, management, and applied ethics.

True or False? * Always prepay your mortgage. * The right 401(k) or IRA will completely cover your retirement. * Defer your taxes and postpone the pain. * True wealth doesn't last forever. They're All False MISSED FORTUNE 101 ...is like no other money guide you've ever read. Its author, successful financial strategist Douglas R. Andrew, dares to question the conventional wisdom on personal finance that most people accept. He reveals the ways banks, credit unions, and insurance companies amass tremendous wealth-what they do, and what they don't do. He shows you how to seize financial opportunities you never knew existed. With MISSED FORTUNE 101 as your guide, you'll never view your house, your mortgage, your retirement plans, your investments, and your other assets the same way again. * Put the lazy, idle dollars trapped in your home to work safely-and reap as much as an extra million. * Discover hidden and perfectly legal tax breaks-and treat yourself to some surprising windfalls. * Play the bankers' favorite game-borrow at one rate and invest at a higher one. * Explore lesser-known retirement vehicles-and avoid falling into a higher tax bracket when you stop working. * Turn your life insurance policy into an investment-and keep your taxes down and your capital up. * Find out which low-return instruments should be in your portfolio today-and why they'll become high-return stars tomorrow. * Reach your "freedom point"-your financial independence-long before "retirement age" Learn the real rules of smart investing. Maximize your wealth with MISSED FORTUNE 101.

Islamic Business Finance is based on strong ethical regulations as suggested by Islamic Literature, such as the Quran and the Traditions of the Prophet of Islam, and could be considered as a subclass of the wider subject of ethical standards in business. This book highlights the basic principles of Islamic Business ethics and their implication in today's global business environment. It highlights the most important features of Islamic banking and finance in relation to the core principles of Shariah law. It is the most comprehensive book to date, in terms of the number of Quranic verses and traditions of the Prophet relating to this subject, which are interspersed throughout the text. It explains how ethics are defined both in general terms and within the context of an Islamic perspective. In addition, it provides a logical interpretation of Islamic principles of business ethics, while keeping in view thethrough the use of contemporary business practices. Topics such as digital currencies, money laundering, etc. are discussed at length. This book also discusses the new and emerging ethical issues faced by business and industry globally. This book will be a valuable reference guide for students, teachers and researchers of Islamic banking and finance.

Donna Ladkin gives us an entirely novel and creative approach to thinking about, and importantly, doing and teaching ethics. The book is practice-based in the best sense of the word, using meditation and other attention techniques to enhance awareness, inquiry, and ultimately ethical insight at the personal and organizational levels. It is accessible to students at all levels of learning, with exercises that will generate personal insights. At the same time, it is grounded in a wide range of sources, both philosophical and managerial, that enhance the credibility of its approach. This book will enhance the ethics and the lives of people who read it and practice its approaches.' - Sandra Waddock, Boston College Carroll School of Management, US'This book guides students and practitioners through the building blocks of ethical practice. It provides readers with an opportunity to reflect on their beliefs and develop skills they need to competently resolve the thorny ethical problems of organizational life. Ladkin grounds her discussion in virtue ethics and the ethics of care but never lets the philosophic theories weigh it down. The book offers an intellectually sound, friendly, and helpful take on the practice of organizational ethics.' - Joanne B. Ciulla, University of Richmond, US With the use of exercises, reflective prompts and case studies, Mastering the Ethical Dimension of Organizations offers a practice-based approach to developing the skills critical to responding ethically to organizational dilemmas. Starting from the premise that ethical issues within organizations rarely come 'packaged', this book encourages an understanding of ethics beyond organizational compliance systems or codes of conduct. Instead, it argues that our ability to respond ethically requires ethical perception, moral imagination and discernment akin to aesthetic judgement; capabilities it fosters through a clear, programmed approach. Engagingly and accessibly written by a leading communicator in the field, this book will be essential for postgraduate students of business, management or leadership. Human resource management professionals, corporate responsibility managers and those in other organizational roles will also find this to be an insightful resource.

100 lessons from one of Britain's most successful businessmen You must know businesses or leaders that seem to have it all - loyalty and success in equal measure. Do you aspire to the same, but worry that 'nice guys finish last'? In Nice Is Not a Biscuit, Peter Mead reveals the secrets of his success, and distils a lifetime's thought about the right way to do business. His 100 entertaining lessons include: How to be a boss and a human being at the same time Why trust in your brand is so precious How to gain a share of both heads and hearts Nice is not patting people on the head. It's every person respecting every other person. Do that and you create a great business. It's a credo for life.

Over the last 150 years the corporation has risen from relative obscurity to become the world's dominant economic institution. Eminent Canadian law professor and legal theorist Joel Bakan contends that today's corporation is a pathological institution, a dangerous possessor of the great power it wields over people and societies.

In this revolutionary assessment of the history, character, and globalization of the modern business corporation, Bakan backs his premise with the following observations:

• The corporation's legally defined mandate is to pursue relentlessly and without exception its own economic self-interest, regardless of the harmful consequences it might cause to others.

• The corporation's unbridled self-interest victimizes individuals, society, and, when it goes awry, even shareholders and can cause corporations to self-destruct, as recent Wall Street scandals reveal.

• Governments have freed the corporation, despite its flawed character, from legal constraints through deregulation and granted it ever greater authority over society through privatization.

But Bakan believes change is possible and he outlines a far-reaching program of achievable reforms through legal regulation and democratic control.

Featuring in-depth interviews with such wide-ranging figures as Nobel Prize winner Milton Friedman, business guru Peter Drucker, and cultural critic Noam Chomsky, "The Corporation" is an extraordinary work that will educate and enlighten students, CEOs, whistle-blowers, power brokers, pawns, pundits, and politicians alike.

This collection critically explores the use of financial technology (FinTech) and artificial intelligence (AI) in the financial sector and discusses effective regulation and the prevention of crime. Focusing on crypto-assets, InsureTech and the digitisation of financial dispute resolution, the book examines the strategic and ethical aspects of incorporating AI into the financial sector. The volume adopts a comparative legal approach to: critically evaluate the strategic and ethical benefits and challenges of AI in the financial sector; critically analyse the role, values and challenges of FinTech in society; make recommendations on protecting vulnerable customers without restricting financial innovation; and to make recommendations on effective regulation and prevention of crime in these areas. The book will be of interest to teachers and students of banking and financial regulation related modules, researchers in computer science, corporate governance, and business and economics. It will also be a valuable resource for policy makers including government departments, law enforcement agencies, financial regulatory agencies, people employed within the financial services sector, and professional services such as law, and technology.