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Many in the compliance community would take issue with Burns characterization that many large international companies have meaningless compliance or ethics programs, at least as of this writing five years after his article. Most organizations have sensed that it is in their best interests to have such programs, and many have made a good-faith effort to move in this direction. For example, the Ethics Officer Association (EOA) is devoted solely to supporting and improving the state of organizational ethics in the United States. Founded in 1992 by about one dozen ethics officers, the organization today has almost 800 members, including ethics officers from more than half of the Fortune 100. Other members include representatives from nonprofits and governmental entities. Foreign members are also welcome, and the EOA estimates that its members and the firms and organizations they represent affect the conduct of business to some degree in over 160 countries. The EOA maintains relationships with the U.S. Sentencing Commission, the World Bank Group/World Bank Institute, the Ethics Resource Center, and the Center for Business Ethics at Bentley College, among others.8 Among its other activities, the EOA is exploring the development of a business conduct manage-

Email s been around long enough that there certain assumptions about how you should deal with it. For example, many office cultures assume you are checking email regularly throughout the day and expect immediate response. Email etiquette guidelines remind you how terse and curt you can come across in email even when you don t mean it. And productivity gurus promote the idea that an empty inbox is worth the time it takes to keep it clean. As you figure out how to manage your email, you ll need to examine these assumptions and expectations to see whether they work for you, especially since the rise of email immunity and the availability of new tools for communication makes email less important. Fortunately, email is still new enough and used in enough different ways that you have some freedom to treat it the way you want. You have to take into consideration your work environment, your colleagues preferences, and your own feelings about email, but within that context and with those constraints, you have wide latitude to find the right place for email in your life.

TIPS: Consider a higher deductible the amount you yourself must pay before the insurance company starts paying. A $250, $500, or especially a $1,000 deductible will reduce your premium considerably. If you raise a $250 deductible to $500, you may be able to cut your premiums by 5 percent. Ask about discounts for burglar alarms, smoke and heat alarms, automatic sprinklers, and dead-bolt locks. While you may get only $20 off for a smoke alarm, you might get 10 percent off with an automatic sprinkler system, 20 percent with a sophisticated home-security system. Check into policies that will cover both your house and your car. One major insurance company offers a 10 percent discount on auto insurance and a 5 percent discount for homeowners insurance, if you get both. Even if you don t get a discount, you may be hit with only one deductible. Say, for example, your car is destroyed by a f ire in your garage. With a combined deductible, you would pay only one deductible for the damage to both your car (auto insurance) and the garage (house insurance). If you re buying a condominium, check out the building s coverage, so you don t pay for duplicate protection. Rather than pay extra to insure valuable objects some homeowners consider keeping them in a bank s safe deposit box. Examples are stamp collections, jewelry, silverware, small antiques, coin collections. This can be dangerous. If you ever take the items out, they will have no insurance. Also, check with your bank and read the safe deposit box contract you signed.

Associate Professor, Department of Pathology and Laboratory Medicine, University of North Carolina School of Medicine, Chapel Hill, NC, USA