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 EntryNo: 3749
 Date: Thursday
08:58 PM
03.05.2018
Mozilla/5.0 (Windows NT 6.1) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/66.0.3359.139 Safari/537.36 Bob Gaebler
Safari United States of America
Irene,

Oak? Fine. Now why am I not storing in another ABC unit, ALREADY, since you like to dispense with e-mails, while your Pino-punks try to keep me over by their Eastridge lurk.

You missed the storage, Lani is pretending to be ignorant, and even though we hassled ALL of 2016, about simply getting her to pay ABC, on time, by CHECK, when she wanted to do them by direct deposit, but HOMES won't get any routing numbers.

SO WE NEVER DID HOUSE ME, AND SJPD IS GETTING LATE, AT INVESTIGATING.

I also told you SANTA CLARA, and I sent you a good cheapy, from Priceline.

WHERE'S THAT? You have to know how to arrange the storage, FIRST, so no deal.

YOU HAVE NO WAY, TO MOVE ME, WITH THE ILLEGALLY PARKED, NOW GONE VAN, WITH MILA, WITH DENNIS, WITH ELAINE, WITH ISABEL, WITH CELSTINO.

NO WAY! They had ONE CHANCE, to move me, and that went out, when I wasn't home at 297, MILAGROS ALLERIA arrived to notify me ISABEL would come at 2 pm, no reason BECAUSE I WAITED UNTIL 3 PM, WENT OUT, CAME BACK, AND NOBODY ARRIVED, UNTIL MILA BROUGHT THUG ISABEL, TO HARASS ME, WHILE MILA THEN ENLISTED ME TO REMOVE TV AND PHONE WIRES, so it was 8:30 pm before the loud females finally backed up, so I could clean up and bike to Fontaine Ave. Motel 6, WHERE I HAVE NEVER BEEN, WHERE ISABEL GAVE ME WALKING DIRECTIONS, from south San Jose, so I showered.

When it became apparent this was a crank visit, from Blossom Valley Care, Mila's criminal corporation, Mila and Isabel vanished, TO GILROY, leaving my ready to move FOOD, on the counter, for fat Greg, Honda Accord CA 7 PYP 170, to gobble down, while I was told to CALL A CAB, with the SSA and Wells Fargo hacking my money and holding me and hi9tting me, in San Jose, with Mr.Cruz in Parkland being ALL ABOUT you -BADWORD-s should have had me, DOWN THE ROAD, over Hiway 17. with expungement, for the last 19 years, OR DON'T YOU GET IT, YET?

There's a fatwa, AND YOU ARE TOO FAT, TO FLY.

Mila and her stooges are ALL disqualified, BY VIRTUE OF THEY WERE BURGLARIZING ME, AND THEY KNEW THEY HAD TO LEAVE MYLAH SPEARS' HOUSE, BUT THEY NEGLECTED TO NOTIFY ME, except to have punk female thug ISABEL, common to BOTH MYLAH SPEARS AND CARE CONNECTION AND TO MILAGROS ALLERIA AND BLOSSOM VALLEY CARE, while you ignore all my reports and e-mails.

Mylah Spears alleges in her letter she tried to serve Mila's thug, DENNIS, who refused the letter of service to vacate, and then he AND Mila and the rest refused to notify me, since this is a sham eviction, since Mila's thugs harassed me, since forced move from Puno's, Feb.11, for two weeks.

THEN Mila relegated her harassment chores to Steven the Flannigan cook and DENNIS, her nephew, who refused to bring food or to clean, while smoking a lot of cigarettes and littering the grounds, in front of 297.

I will drive my own vehicle, WHEN I HAVE ONE, to move. You have no agreement, with me, as to any issue, unresolved, since you slammed this third forced move in a year, at me, from Lani Dalrymple, in Seattle at Wells Fargo Center, an aggressive RICO violator.

You seem too stupid, to try storage, at ABC Wyandotte LLC, in Mtn.View, where YOU KNOW I ALREADY HAVE UNIT 522, full.

What's keeping your bad brains from a fresh contract, over there, given Lani finally learned to send checks, to them, while she holds out on direct deposit, to a renter.

The van they had was illegally parked, for two days, it was unpaid and listed, as missing.

YOU MADE ME WAIT SINCE APRIL 30, FOR ANOTHER DESTINATION, OTHER THAN THE FONTAINE AVENUE MOTEL 6, WHERE MILA'S AND PUNO'S GANGS RESIDE.

See why I told you, to STAND DOWN?

YOU CANNOT USE MILA OR ANY OF HER PEOPLE, TO MOVE ME, NOW.

YOU BUNGLED IT, IN DETAIL. So they kept their motors running, for THREE HOURS.

Then Mila swatted me. Palacio and Bethelemy SJPD arrived, knowing it was a swat call, since Palacio is a minder, for IA/SJPD Mabanag, who is guilty of SEDITION and RICO RACKETEERING, at criminal misconduct, to enable all the steering, by Lani and YOU, Irene, so I gave Law Foundation the several documents I acquired, since you tried to convince me to leave, without lawful notice, May 1, when you knew Mila was evicted, and that Mylah was attempting to serve, SINCE MID-APRIL, AT LEAST, with NOT ONE e-mail or courtesy call, TO ME, from any of you trust-converting, profiteering, dirty HOOKERS.

I'm 'calling' police, you stupid -BADWORD- from UK. See Bcc? Hotline to San Jose, to SCCo.

1-1-284-9731 SJPD October 2017 suspicious circumstances, and one other, for updates, since after I got d.j.'d by Law Foundation attorneys, including MATT WARREN, at intake, for this housing matter and all Lani's churning with Marlene Bennett and LF of Silicon Valley, we have an imperative, to contact CAIR, at first total failure, of Law Foundation, to get another attorney, other than the ones they just churned you Wells Fargo perps up with, since all there know I'm going Calbar, ALREADY, on attorneys, like SHARKEY.

You don't leave the tank, after the playoffs, THIS year, or run, FAR AWAY.

Just saying. Look at all the sappy asses, prattling and churning this to complex lit.

Mila and Blossom Valley Care are OUT, since they just swatted me, Irene.

Since Mylah Spears coerced fat Greg, now GONE, to swat me, ignored by SJPD on Sunday, April 22, 2018, as I tried to watch NBA, on ABC.

So fat Greg drank all the milk, over-used or abused any food item of mine, to suit himself, while for the last two months, since Mylah Spears and the mysterious ISABEL hosted an annoying Filipina sales-punk, to pitch stainless steel cookware, at people who have no use for it, other than to subject me and Greg to abuse, but Greg was an abuser.

So I had to watch Greg wait on the couch, with no pants on, at all, with the TV turned WAY UP, in late February, 4 am, while he waited for Mylah to come down the stairs and check his no-pants-look out, right then.

I managed to complain about THAT, but Greg was an agent-provocateur, for both Mila, with whom he has lived five years and now returns, to rip off some other refrigerator, so he and the companies rolling me for Wells Fargo are illegal interests, as is SJPD, which knew the swat and sent the corrupt Palacio, with another corrupt investigator, to suppress that Lani Dalrymple is having YOU, Irene Keenan steer this, so SJPD has no Santa Clara PD report, to mess YOU way up and Lani, since the FBI is also too pussy and willow, both.

YOU GET ME A STORAGE DESTINATION, NEAR THE MOTEL, OR GET ABC, or no move, since you ignore this option, several days, as aggravated elder abuse, given YOU are who caused me to be homeless, then YOU swatted me, with D61, so YOU GET NO MORE SWAT TEAM, FROM MILAGROS ALLERIA AND HER BLOSSOM VALLEY CARE RACKETEERING THUGS, punkass Irene.

Don't forget to tell LANI to re-think some kind of order, since she knew I had to move, while she vacay'd and time added! WHAT a FAT blonde that punk is.

Mila and punks are GONE, moron Irene. They all made fight noises, then swatted.

They are looking to steal more knives, like Puno's punks did, so they had SJPD frisk me and look for knives they are observing, when they lurk, with motors running, at 297, so they see me ride up, with pack and protection, for THAT ride, so Dennis probably swatted me over having something for shit like him, who liked to wave his fist in my face, until I told him he was about to take casualties, from some uncertain interdiction, like when I said, YOU TOUCHED MY BELONGINGS, ALREADY, without returning Mylah Spears' KEYS.

SO YOU ILLEGALLY PARKED A REPORTED MISSING U-HAUL TRUCK, IN FRONT OF 297, SO A NEIGHBOR COMPLAINED, WHILE MILA KEPT ME FROM MEDIA, BY HARASSING ME AND SWATTING ME.

Your Manila -BADWORD-s are all used UP, Irene and Lani. Think outside the Pino-punk BOX.

RIGHT NOW.

I made sure they all knew ELAINE and CELESTINO or Tino were both GONE, for trying to fight with me, while delaying my first two forced moves, of the year, so they could pilfer my belongings, not stolen by Puno, so my box fan, bike light, and more gear are GONE.

STOLEN, while Mila and thugs delayed, so now RONALD SPEARS assures me time, to move, in absence of contract. MILAGROS AND BLOSSOM VALLEY CARE SHOULD RETURN ALL THEIR KEYS, BUT THEY CONSPIRE TO BURGLE, IF PILFERING FAILS.

On 5/3/18, Irenekeenan <irenekeenan@aol.com> wrote:
> Hi Bob
> The Oak
> motel is only available thru Monday but I’ll book that
> It’s Cinco de Mayo so rates are high at the Super 8
> Let me know that you can get there this afternoon
> Will get your big stuff to storage later.
> Mila will call the police again if you act out or do not go
> Email me ASAP
> Irene
>
> Sent from my iPhone
>

WAY! -BADWORD--dialed by IRENE BELL KEENAN, 71, to wellsfargosucks.com and G+.

Visitor comments: 1
 EntryNo: 3748
 Date: Wednesday
04:21 PM
02.05.2018
Mozilla/5.0 (Windows NT 10.0; Win64; x64; rv:59.0) Gecko/20100101 Firefox/59.0 Disgruntled Cotnractor
Firefox United States of America
I worked there as a contractor. Worst experience in my career. One year of no problems, nice team, nice manager. Out of the blue a call from some 'managed resource manager' that I'm not performing and will be fired. Incidentally this came after their most recent billion dollar fine was imposed and also after I announced I was taking a 1 week vacation. This woman had no soft skills and was just horrible, raised her voice at me, said 'surely someone like me has had negative feedback before' Of course I really stood up for myself, and expressed my dismay at how the situation was handled. The next day they fired me. Or 'terminated my contract.' No specific reason just some vague excuses about not following up on action items - after a year? Really? Biggest bunch of infuriating -BADWORD- I've ever had to take. I write an email to management expressing concern over this practice of bullying and intimidating contractors and they fire me. Yeah real nice. Really all about 'the people.' And Diversity??? NOT. Everyone in IT is Indian. You can win as an older white female who doesnt take shit. Not done with them yet. I'll find a way to tell this story!!!!!!
Visitor comments: 1
 EntryNo: 3747
 Date: Wednesday
12:59 PM
02.05.2018
Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/58.0.3029.110 Safari/537.36 Edge/16.16299 Bob Gaebler
Safari United States of America
This 'anonymous' piece keeps trying to dilute what is actually happening, and that is the fake account scam is only part of the problem, but Private Bank-Wealth Management has all kinds of punk gang help, from its branches, filled with Roman Catholic fallout and street trash, so VP LANI DALRYMPLE SNT SEATTLE could jump on the fatwa that's been burning since Santana Row fire 2002 and with honor killings, since Lennon, et al, all the way through the waffle house, where the shooter looks like little Forrest Griffin, so hey.

I SEE DEAD PEOPLE, OF THE FUTURE.

HERE COMES RAMADAN 2018, for Wells Fargo and "anonymous," Wells Fargo's alleged foil, who worked or works there, yet.

SNT scams mean a family can hang a few hundred thou AROUND YOUR NECK, so the state you are in will kill your original gangstas, for WELLS FARGO, which has been getting cross-talk, up here, with all kinds of people.

This includes people who address ME, personally, from shit-piles like LOS GATOS, CALIFORNIA, where you go to hell.

The Cats are my friends.

But Lost Gatos is hell of mafia punks.

And now this! Wells Fargo is funneling ALL customer service, including a bogus "case management" scam, through VP Lani Dalrymple.

THERE'S NO WAY AROUND HER, and State of California knows ALL ABOUT IT, while Jerry Brown picks his -BADWORD- and waits for Newsome to grab utensils, SO AS TO EAT JERRY BROWN-dog, any year, now.

The trust co-signor, VP Nancy Aldritt disappeared, from Walnut Creek Main Street branch, where she was on minimal hours, so THAT is probably why that VP named Riordan got sucked half out the window of that SW flight.

RAMADAN 2018 IS MONTH NINE, of the hijrah calendar, starting May 15, through June 14, 2018.

YOU ARE GOING TO DIE, FOR WELLS FARGO, some of you.

Broward gets it, early in the year and whenever BECAUSE SJPD LET ONE OF THEIR GOOBERS WITH A PSYCHO-YARMULKE SWAT ME, MARCH 3, 2016, and the rest is history of MISERY, by people, killed and injured because WELLS FARGO RIOTS, BY SEDITION AND BY RICO PROFITEERING, to incite, whenever it crosses a county or city boundary, ALL OVER THE WORLD.

Desist and chill, Wells Fargo and VP Lani Dalrymple, who is one perp, not a Relationship "TEAM."

A "TEAM" would be two or more Wells Fargo Private Bank-Wealth Mgt. people.

Not ONE HOOKER, working to get people dead, AS ANONYMOUS GAPES AT ME, from the cathouse he's at.

Visitor comments: 1
 EntryNo: 3746
 Date: Wednesday
05:30 PM
18.04.2018
Mozilla/5.0 (iPhone; CPU iPhone OS 11_3 like Mac OS X) AppleWebKit/605.1.15 (KHTML, like Gecko) Version/11.0 Mobile/15E148 Safari/604.1 Laurie Brown
Safari United States of America
Had a secure credit card with them for almost two years and they did take it off being secure after the first year . However when we ask for a increase they denied us said we were late on payments . Never been late not once most of the time we would just paid it off too also said our credit wasn’t I guess up to par for them . However I am able to get other credit cards with no problem there card limit only 300.00 but I am able to get a $3500.00 Credit Card through Chase and a credit card for $2000.00 through citi bank . Think it’s time to leave Wells Fargo after 8 years of doing business with them . 😩
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 EntryNo: 3745
 Date: Wednesday
05:04 PM
18.04.2018
Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/58.0.3029.110 Safari/537.36 Edge/16.16299 anonymous
Safari United States of America
THE POLITICS

Your individual performance is NOT important to upper management.

Don't speak up or out-perform and you will keep your job.

If you by chance book business they will figure out ways to move it to another portfolio so commissions are not paid.

Has this happened to you?

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 EntryNo: 3744
 Date: Tuesday
04:13 PM
17.04.2018
Mozilla/5.0 (Windows NT 6.1) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/65.0.3325.181 Safari/537.36 Bob Gaebler
Safari United States of America
Lee Tune,

How long have YOU been at Wells Fargo, without me getting housed or a car?

NOW I WANT A CARPENTER BASEBALL GLOVE AND A GUITAR OR TWO, since I am a modern ambidextrous pitcher/inf. AND I play guitar better'n anyone AND LH.

I NEED AN SUV, TO BOTH MOVE AND LIVE IN, SINCE LANI AND DAVID FAILED, here.

WHERE'S MY EXPUNGEMENT ATTORNEY? I HAVE TO CROSS-POST TO GOVERNOR BROWN, EVERY WEEK, NOW.

Would you believe DJT 45 has this sense of hella funna as -BADWORD-? REALLY.

Stormy's face is significant because she resembles blonde superstar version of CAL co-ed in my day and now an attorney and possible material witness MOM LEUKE.

Bobby Leuke's sister. Burn-victim-looking Canuck Bobby went to CAL with us, so he knows shit like the young gal in Diceman's FORD FAIRLANE is based on one of our Barrington Juggalettes from L.A., like she had a kid with ED WEIL from S.D. and a long-time Cali DOJ atturdney who with Bob Leuke clammed on ME because I'm where AC-ZZ through ZZ Top copped music, and it's skebarrassing to see stuff like MTV's -BADWORD- re-runs, while tied up and vibed, etc., so Mom (Nancy, same as all the others in 314) Leuke is this little RUNAWAY, with BIG BREASTESESES!

Like Stephanie Morgan's, bigger'n Steven Morgan's, even bigger'n Brian Morgan's, and Brian went to CAL engineering.

WHERE IS MY CAT, LOST WHEN IRENE KEENAN SWATTED ME FOR LANI, using D61 Judge Stephen Manley so Stephen Paddock shot up Vegas and Austin bomber Conditt knew when he was killed, Chief Brian MANLEY APD would announce this, on TV.

YOU LET LANI DALRYMPLE'S UK CONNECTION DOWN HERE ENGAGE THIS JUDGE STEPHEN MANLEY, TO INJURE ME, TO HOLD ME FOR SIX MONTHS, TRYING TO GET ME TO EAT WHAT CAUSES ME TO SWELL UP TO 350 LBS., as nephrotic minimal change, with all the Stanford -BADWORD-s begging a Sharia swatter over me, a squatter, who wanted to be IN Santa Cruz, by 2015. but YOU HAD OTHER IDEAS.

The gang scene here won't let go, AND NEITHER WILL ISLAM.

So you may ask yourself! Do you feel lucky, when a USDC comes looking, to NAME THAT TUNE? You are gambling, with Gaebler, right NOW.

Cross-posted to Wells Fargo Sucks.com, since neither you nor Morgan ever get that turtle unsnapped so as to call or send an e-mail, while funneling to lousy Lani, as Hadj hits, over you using Santa Clara Co., to hold me and hit me, abetted by CSGs.

Visitor comments: 1
 EntryNo: 3743
 Date: Wednesday
04:05 PM
11.04.2018
Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/58.0.3029.110 Safari/537.36 Edge/16.16299 Bob Gaebler
Safari United States of America
Lani,

You just are NOT dealing with the debit card problems, ongoing.

WE ARE STUCK HERE BECAUSE CAIR/sfba blew me off, and you perps all know it.

You need to get CUSTOMER SERVICE for me because you trashed my online account.

I CANNOT LOG IN, MORON.

Then my card got lost, and I was able to cancel it.

Then I found my wallet, per many, MANY E-MAILS, including to your
-BADWORD-s, Irene and Mila, where all were ignored, so I don't have
coffee, brown sugar, or butter, but a lot of the same kind of bread
and no pen or paper, for messages, no working internet, no e-mail for
shopping lists, and NO BANK CARD because you incited riot in our
county.

This certainly includes local W/F branches, SO I COULD NOT GET A NEW CARD,

Why, even in your whorish, molly-boggled mental dilemma could you not
surmise I NEED A NEW CARD, but the online W/F -BADWORD-s knew before I did
that SSA deposited a LOAD of money, so my account was already almost
$8K, and I'm telling the hooker the third-party deposit is a
hundred-something for retirement, on day three, but NO.

SSA put that money in, without telling me, other than a sudden notice,
to Mail Window.

SO YOU HAVE TO GO GET ME A BANK CARD, STINKING -BADWORD-.

A BANK CARD.

I DO NOT HAVE ONE.

GET ONE, OK?

Then I can get a car and go look for a lawyer, to eat you all up.



On 4/10/18, Lani.Dalrymple@wellsfargo.co m <Lani.Dalrymple@wellsfargo.c om> wrote:
>
> Bob,
>
> You have sent me several very unprofessional emails. Please stop or I will
> not reply.
>
> I will pay rent anywhere you want to live the same way I paid Mila and Puno.
> I can mail a check to your landlord. Give me the information for your
> landlord and I will mail a check.
>
> If you need to replace your debit card you can call 1-800-869-3557 or go
> on-line at https://www.wellsfargo.com/h elp/lost-wallet/.
>
> I will be out of the office next week. If you want your rent paid, get it
> to me this week.
>
>
>
> Lani Dalrymple, CFP(r)
> Vice President
> Special Needs Trust Services

Visitor comments: 4
 EntryNo: 3742
 Date: Thursday
04:03 PM
05.04.2018
Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/58.0.3029.110 Safari/537.36 Edge/16.16299 Shareholder
Safari United States of America
The Economics of Why Companies Don’t Fix Their Toxic Cultures

Kevin Stiroh
March 22, 2018

Over the last decade, industries, academics, and the public sector have turned their focus toward culture and ethics in response to the financial crisis as well as misconduct at a broad range of corporations. But what role does culture play in corporate misconduct, and why do these problematic cultures persist?
My perspective and approach to misconduct risk are influenced by my work as a bank supervisor, and by my background and training as an economist. In my view, bank supervision must include attention to the culture at financial firms, not just to their financial safety and soundness. The justification for this attention comes from relatively simple economics. By thinking of a company’s culture as a form of investment subject to market failures, we can better understand why companies sometimes tolerate misconduct, and why they can’t always fix it on their own. Though my experience is in the financial sector, these lessons apply to other industries as well.
The economics of corporate culture
Analyses of recent cases of misconduct in the financial sector suggest that misconduct is not just the product of a few individuals or bad processes, but rather the result of wider organizational breakdowns, enabled by a firm’s culture. One way to think about the underlying factors involved is as “cultural capital.” The possibility of employee misconduct — the potential for behaviors or business practices that are illegal, unethical, or contrary to a firm’s stated values, policies, and procedures — is a form of risk just like liquidity risk or operational risk. Investments in cultural capital is one way to reduce that risk.
A firm’s cultural capital is a type of asset that impacts what a firm produces and how it operates. Cultural capital is analogous to physical capital, like equipment, buildings, and property, or to human capital, like the accumulated knowledge and skills of workers, or reputational capital, like franchise value or brand recognition. In an organization with a high level of cultural capital, misconduct risk is low, and its organizational structures, processes, formal incentives, and desired business outcomes are consistent with the firm’s stated values. Unspoken patterns of behavior reinforce this alignment and drive corporate outcomes.
By contrast, in an organization with low levels of cultural capital, formal policies and procedures do not reflect “the way things are really done” — that is, the stated values of the organization are not reflected in the behavior of senior leaders or the actions of the organization’s members. Misconduct then results from norms and pressures that drive individuals to make decisions that are not aligned with the values, business strategies, and risk appetite set by the board and senior leaders. Rules may be followed to the letter, but not in spirit. All of this increases misconduct risk and potentially damages the firm and the industry over time.
As with other forms of tangible and intangible capital, a firm must invest in cultural capital or it will deteriorate over time and adversely impact the firm’s productive capacity.
When viewed through this economic lens, the question becomes: If misconduct risk is bad for firms, why don’t they invest in cultural capital and reduce the risk themselves? Why do regulators and supervisors need to get involved?
Market Failures and Misconduct Risk
It’s worth noting that many large financial firms have increased their attention to misconduct risk and cultural drivers in the wake of serious frauds and enforcement actions over the past several years. But the degree of commitment and progress in these efforts has not been even across the industry, and serious and persistent misconduct continues in some businesses.
So, why wouldn’t a firm do more to invest in cultural capital? Traditional economic theory may offer a few explanations. Namely, firms may operate with sub-optimal levels of cultural capital due to different types of market failures. Three well-known phenomena — externalities, principal-agent problems, and adverse selection — may help explain why misconduct risk persists.
Externalities. Externalities are the impact that a transaction between actors has on other unrelated actors. If a company pollutes when making a product, neither the buyer nor the seller bears the cost of that pollution — the cost falls on the rest of society. Externalities can drive a wedge between private- and socially-optimal outcomes and lead firms to underinvest in their own resiliency by ignoring the broader impact of bad outcomes on the financial sector and the real economy.
Does a firm’s toxic culture create an externality? Yes, because the impact of employee misconduct extends beyond the individual and even the firm — in finance it can affect the safety, soundness, and effectiveness of the financial sector and the broader economy.
If a firm commits fraud or another type of misconduct, for instance, much of the cost of that misconduct does fall on people involved — managers, employees, and investors — in the form of fines, diverted management attention, or even bankruptcy. But this can also impose costs on people not directly connected to the company. Customers might lose confidence in the firm or the industry as a whole and financial intermediation could decline. In such a case, misconduct has created an externality.

And there is evidence that financial misconduct can have broader impact, imposing costs beyond the industry. Recent surveys, for example, have found that confidence in the financial sector has fallen by half over the last decade, which can impede the efficient intermediation of credit and the provision of financial services.
In the case of pollution, externalities motivate government intervention. In banking regulation, externalities are the conceptual driver behind the enhanced prudential standards for capital, liquidity, and risk management that are currently applied to the largest, most systemically important financial institutions. The same reasoning suggests a possible role for regulators and supervisors to consider company culture and the potential misconduct. Because the costs of that misconduct are not always paid by the firm, it may substantially underinvest in the cultural capital required to prevent it.
Principal-agent problems. Principal-agent problems occur when the incentives of employees don’t align with the broader interests of management or shareholders. This can lead to excessive risk-taking, underinvestment in risk-reduction and risk-control mechanisms, and a focus on short-term returns at the cost of long-run viability. Think about the trader who is compensated on short-term profits and losses and not long-term value creation. The misalignment of incentives can tilt the firm toward excess risk-taking unless curbed by the appropriate culture and focus on risk management.
These issues can be amplified by the opacity intrinsic to many financial activities that allows misconduct to persist and erodes the cultural capital of the firm.
Adverse selection. Adverse selection occurs when those particularly ill-suited for something are the most likely to participate. This could occur in the context of culture and misconduct if conduct-related events change the composition of a firm’s workforce. Firms with relatively low cultural capital (and a relatively high tolerance of misconduct risk) may attract and retain employees and clients more inclined to take inappropriate risks and push beyond internal limits and controls. Further, high-quality directors, executives, and employees might leave such firms or decline to join them, depleting the firm’s human capital and contributing to the deterioration of cultural capital.
Role of the Public Sector
These market failures suggest a role for the public sector to encourage resiliency, including investment in cultural capital, beyond what the firm would choose to do on its own. That is, if firms don’t have sufficient incentives to overcome these forces, then the public sector should push toward a better overall outcome. Given my role as a bank supervisor, my focus is on financial firms, but these types of phenomenon can lead to inefficient outcomes in any industry.
While misconduct risk poses clear threats to both firms and the overall financial system, addressing culture reform across an entire industry is a complex challenge, and there is no one action or approach that will fully address it. The work bank supervisors do in this area is critical because there are limits to the regulatory or deterrence and enforcement approach. To understand how a firm manages misconduct risk — and to improve resiliency and reduce the potential for unwanted disruptions to financial intermediation — we must increase our focus on firms’ decision-making practices and behaviors as a core aspect of good governance.

The views expressed in this paper are those of the author only and do not necessarily represent those of the Federal Reserve Bank of New York or the Federal Reserve System.

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 EntryNo: 3741
 Date: Thursday
09:24 AM
05.04.2018
Mozilla/5.0 (Linux; Android 8.0.0; SM-G955U Build/R16NW) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/65.0.3325.109 Mobile Safari/537.36 TD Banker
Safari American Samoa
Bob Gaebler
I caught you working at TD Bank
Traffic dept.
I didnt tell you to come work at TD Bank
I told you to move your accounts to your local credit union

Visitor comments: 1
ttds.com
 EntryNo: 3740
 Date: Wednesday
03:26 PM
04.04.2018
Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/65.0.3325.181 Safari/537.36 Bob Gaebler
Safari United States of America
You made hooker-journalists missed the tag, AGAIN, when the You Tube attack was timed to occur when baseball is about to happen, and you all are too bleary and beery, to play. So there's NO I-UNITS, AT ALL! ALL ARE FAKES!

OAN, FOX, and maybe someone else and nobody interviewed key witness at the Carl's, Jr. restaurant, MICHAEL FINNEY, so we know that since no guilty -BADWORD-s or Shuman or Larry Beal or weather at ABC have checked in on this complete;y important shitload, Mujahidin ALL know guilty I-Unit producers in the SF Bay Area are sandbagging, ESPECIALLY PUNK 7-IN-UR-FANNY PRODUCER, Michael Finney.

Sleazy Liz Wheeler, you posted two vids, addressed to David Hogg, neither YOU nor your network got me up for an expose on Mueller, and the San Bruno shooter, Nasim was YOUR doppelganger, who intended to lead the Marines from Miramar up here to bust the scum and Schmuckerbergs, which a lot of us Muslims feel is necessary, but you and Tweety suckle up to -BADWORD- Mueller, who trashed FBI, so Atta went.

THERE'S A FATWA, WEAZ. Such as knows when there's keystroke delays, here.

WHEN I.S. SENDS THIS UP, RIGHT BEFORE BASEBALL, IT'S A DIG AT GAMER BABES AND THE SF GIANTS, WHO KNOW JONESTOWN JACKIE SMELLS FUNKY, and I wouldn't miss any of it, but Irene Keenan of UK is rolling me for the Robert S. Gaebler SNT, per VP Lani Dalrymple's elder abuse and evasion agendas, abetted by the State of California and ALL INFERIORS, so hey.

WHEN SJPD WOULDN'T BUST BROWARD GOOBER GABRIEL, FEBRUARY 2016, AND LET HIM SWAT ME, SO BROWARD GETS HIT, EVERY NEW YEAR, AND THEY LET SANTA CLARA COUNTY TRIGGER THIS SHIT, AGAIN AND AGAIN? AND AGAIN? See you in 2019.

THIS HAPPENS AROUND ME, FOR SURE SINCE SANTANA ROW FIRE in SJ, 2002.

WHERE ARE YOU -BADWORD- REPORTERS? Still walking, to pay for J-school?

And I was thinking you'd work out, at FOX, when Ann Coulter blows up, since Laura Ingraham looks like she might just fizzle and -BADWORD- herself in the subway.

READ BETWEEN 'EM, LIZ. You missed the tag, on Mueller, who trashed ME, in USDC/sf for Clinton and the recording biz, since I'm where AC-ZZ groups ripped, OR NO BIG BANG BOOM IN THE 1970s, with all those Bob tunes, but NO BOB!

So you can all hide ME, and you all cheat at income and actuarial reports, to inflate equity.

AND YOU THINK FUKUSHIMA IS PASSE, WITH NOKO AND PPI UNSETTLED!

You won't be selling your JEE-ZUSS lotions in China, honey.

Here's a paste about some Catholic punk females in California, injuring ME, to get YOU, in Sharia activity, where YOU and YOUR actions are analyzed, SO LOOK ALIVE!

Starred bobgnote Tue, Apr 3, 2018 at 6:41 PM
Unstarred Irenekeenan Tue, Apr 3, 2018 at 9:31 PM
Add star bobgnote<bobgnote@gmail.com> Wed, Apr 4, 2018 at 7:25 AM
To: Irenekeenan <irenekeenan@aol.com>
Cc: PIO <PIO@lvmpd.com>, Lani.Dalrymple@wellsfargo.co m, tips <tips@sheriff.sccgov.org>, mvweb <mvweb@mountainview.gov>, info <info@sfba.cair.com>, reportphish <reportphish@wellsfargo.com> , Homicide <Homicide@lvmpd.com>
Bcc: Bob Gaebler <bobgnote@gmail.com>, Five55Pacific <Five55Pacific.181c0v.5bs56@ tracking.lead2lease.com>, "assemblymember.kalra" <assemblymember.kalra@assemb ly.ca.gov>, "Hernandez, Selena (NBCUniversal)" <selena.hernandez@nbcuni.com >, Martha Shearer <martha.j.shearer@gmail.com> , "stacie.shih" <stacie.shih@asm.ca.gov>, stories <stories@nbcbayarea.com>, Christine Fitzgerald <ChristineF@svilc.org>, "cindy.chavez" <cindy.chavez@bos.sccgov.org >, "vicky.vargas" <vicky.vargas@lawfoundation. org>, Frances Merrill <FrancesM@svilc.org>, "Luevano, Maurilia" <Maurilia.Luevano@pdo.sccgov .org>, marleneb <marleneb@lawfoundation.org>

Lani,

Why is moron Irene, your abusive "intermediary," insult to injury,
since VP Nancy Aldritt ripped the deed of my trust, from Mtn.View to
Walnut Creek, then to YOU, in Seattle, then back down to creepy Irene,
in Palo Alto shoving in, here?

You already disclaimed Santa Cruz.

Why cannot moron Irene, who announces visits and never shows up,
simply get online and check 555 for her old self, who got me 5150d so
Islamic State kills EVEN MORE, now, when AQ is on this since 2002 and
Santana Row Fire, I.S. since 2010, AND YOU ACT LIKE NOBODY ELSE IS
AROUND, so punk my crib, right?

WHERE'S THE ROUTING NUMBER, for the Robert S. Gaebler SNT?

The shooting in San Bruno is about you hookers, again.

Irene is PHISHING. She intends no contact with me, but to injure.

The Mujahid who shot up You Tube looked like Liz Wheeler of OAN, and
she contacted MVPD, then went off at You Tube.

READ BETWEEN 'EM. SAN MATEO AND JONESTOWN JACKIE SPEIER ARE RIGHT IN
THE MIDDLE, STONEWALLING THAT THEIR PUNK ROBERT S. MUELLER III TRASHED
ME AND THEN FBI ON ATTA, so he could board and crash.

Islam will NOT be leaving these issues alone, Lani.

This means another SJPD, SCCo.Sheriff, SC Police, FBI, etc. REPORT,
from me, about YOUR CRIME, abetted by Irene Bell Keenan of Palo Alto,
WHEN YOU SHOULD HAVE GOTTEN EXPUNGEMENT FOR ME, SINCE 2010, due any
time, in the last 19 years, so Mujahid Cruz was 19.

I then warned about a 25-y.o., and 23-y.o. Austin bomber Mark Anthony
Conditt made a 25 minute confession vid.

Where's the ROUTING NUMBER, so we can assign a damage to YOU, if no rent?

You are a nightmare, for a thousand attorneys, for a thousand years!

When do you start, Lani and Irene?

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