Q: What do institutions like UBS, Barclays, Citibank, Chase, Goldman-Sachs and Penn State have in common?

A: All are under investigation for decisions made by their CEO's, senior executives and blindly approved or condoned by their respective Boards of Directors.

Q: What do the decision makers of UBS, Barclays, Citibank, Chase, Goldman-Sachs and Penn State( to name a few) have in common?

A: They all made egregious, stupid, and/or greedy decisions that severely damaged the image and bottom line of the institutions they were obligated to protect.

Q: What penalties are handed out to the decision makers of UBS, Barclays, Citibank, Chase, Goldman-Sachs and Penn State have in common?

A: NONE! The regulatory agencies "negotiate" punishment to the institutions, not the people who made these egregious, stupid and/or greedy decisions. Now the NCAA has followed suit.

Q: Who suffers when penalties are meted out to UBS, Barclays, Citibank, Chase, Goldman-Sachs and Penn State?

A: Stock holders and employees, and in the case of Penn State minimum wage earners, alumni and athletes. None of whom had any part in the violations. In fact, in all cases no one knew what was going on and thus had no opportunity to stop the violations. To punish these people is the easy way out for organizations like the NCAA and the SEC. It would require a gargantuan leap of courage to attack and penalize the people who created the mess. It would require originality and strength of conviction to take on the people who violated the trust of the people they were supposed to represent and protect. It is far easier to punish people who can’t hurt you down the road should the tables be turned.