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Sunday, May 20, 2012
Getting stuck into it | Business Reporter
In the wake of the financial crises, Business Reporter looks at advice to help directors navigate future corporate traumas
The Institute of Directors (IoD), will next month issue Business Risk: A Practical Guide for Board Members. This makes the point that board members are the main players in terms of managing risk. Their role in evaluating risk outweighs that of risk management specialists ?and even chief executives?, according to Roger Barker, head of corporate governance at the IoD.
In his 2009 report following the crisis City grandee Sir David Walker called for some structural reforms to financial service firms to beef up their risk capabilities. Audit committees should be split in two, one dealing with audit and another dealing with risk.
And he called for the appointment of chief risk officers in financial service firms.
The Institute of Chartered Secretaries and Administrators will also issue a new guidance notethis month urging non-executives to ?satisfy themselves on the integrity of financial information and that financial controls and systems of risk management are robust?.
The institute?s director of policy, Seumus Gillen says company boards should be able to decide their own governance arrangements.
However, on the wider issue of board behaviour in the build-up to the financial crisis, he is in no doubt that ?risk had not been taken seriously enough?. There was ?widespread governance dysfunction? with dominant chief executives able to get their way without being questioned sufficiently.
?There is never strategy without risk but in 2007 strategy became uncoupled from risk, says Gillen.
Today, he sees firms rediscovering risk: ?Risk management is like the brakes that make a car go faster.?
Risk analysis
The questions non-executives must ask
- What are the main risks the company faces, and how are these risks managed?
- What is the company?s risk appetite in the light of its strategic objectives?
- Does the company have sound and effective internal controls?
- How is the risk function viewed internally?
- Can it influence decisions at an early enough stage?
- Do board members have proper access to the chief risk officer?
- Is risk taken seriously in strategic discussions?
- Is good quality information available and are risk assessments underpinned by proper analysis?
- Is there anything about the nature and extent of the company?s business activities that would cause you concern both in terms of risk and personal ethical considerations?
- What insurance cover is available to directors and what is the company?s policy on indemnifying directors?
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Obama sees 'emerging consensus' on economic fix
World leaders attend the first working session of the G-8 Summit at Camp David, Md,, Saturday, May 19, 2012. From left are French President Francois Hollande, U.S. President Barack Obama, British Prime Minister David Cameron and Russian Prime Minister Dmitri Medvedev. (AP Photo/Philippe Wojazer, Pool)
World leaders attend the first working session of the G-8 Summit at Camp David, Md,, Saturday, May 19, 2012. From left are French President Francois Hollande, U.S. President Barack Obama, British Prime Minister David Cameron and Russian Prime Minister Dmitri Medvedev. (AP Photo/Philippe Wojazer, Pool)
French President Francois Hollande, left, listens as U.S. President Barack Obama speaks at the start of the first working session of the G8 Summit at Camp David, Md., Saturday May 19, 2012. (AP Photo/Philippe Wojazer, Pool)
World leaders attend the family photo session during the G-8 Summit at Camp David, Md., Saturday, May 19, 2012. From left are European Commission President Jose' Manuel Barroso, Russian Prime Minister Dmitry Medvedev, Japanese Prime Minister Yoshihiko Noda, Canadian Prime Minister Stephen Harper, French President Francois Hollande, U.S. President Barack Obama, German Chancellor Angela Merkel, British Prime Minster David Cameron, Italian Prime Minister Mario Monti, and European Council President Herman Van Rompuy. (AP Photo/Philippe Wojazer, Pool)
CAMP DAVID, Md. (AP) ? Confronting an economic crisis that threatens them all, President Barack Obama and leaders of other world powers on Saturday declared that their governments must both spark growth and cut the debt that has crippled the European continent and put investors worldwide on edge.
"There's now an emerging consensus that more must be done to promote growth and job creation right now," Obama proclaimed after hosting unprecedented economic talks at Camp David, his secluded and highly secure mountaintop retreat. Seeking a second term amid hard economic times, Obama hailed a debate heading in the direction he likes, with nations now talking of ways to spark their economies instead of just slashing spending.
Yet there were no bold prescriptions at hand. Instead, leaders seemed intent on trying to inspire confidence by agreeing on a broad strategy no matter their differences. With all of them facing their own difficult political realities, they built some sovereign wiggle room into their pledge to take all necessary steps, saying "the right measures are not the same for each of us."
Obama played international host as Europe's debt crisis threatens to drag down the U.S. recovery and his own political future, underscoring the stakes for him in getting allies abroad to rally around some answers.
Much of the new emphasis on government-led growth seemed aimed at German Chancellor Angela Merkel, who came to the summit as the European leader who had demanded austerity as the most important step toward easing the eurozone's debt crisis. But the election of Socialist Francois Hollande as president of France, and Greek elections that created political chaos in the country were clear rejections of the belt-tightening Merkel represented.
Hollande, a new voice at the table in just his first week on the job, offered Obama a reminder of his own responsibilities to work to expand the economy, "even if he's in an electoral period and who has a Congress that's not necessarily easy to deal with."
Coping with shaky oil markets, the leaders set the stage for a united release of world oil reserves to balance any disruption in world markets when tough new sanctions are imposed on Iran's exports because of its disputed nuclear program. The leaders said they were ready to take "appropriate action" to meet any shortages.
The mere preparation to release oil reserves could help calm markets and ensure that oil prices, which have been dropping, don't climb again and anger consumers as U.S. elections approach.
The Group of Eight summit includes leaders of the United States, Japan, Britain, Germany, France, Italy, Canada and Russia.
A joint summit statement reflected how urgently the countries must contain a financial crisis that could spread from the eurozone to the United States and infect the rest of the global economy. They declared unanimity in ensuring that Greece, which is crippled in debt and politically gridlocked, remains as part of the 17-member euro currency union.
"The leaders here understand the stakes," Obama said in summing up a packed, unusually intimate day of world talks. "They know the magnitude of the choices they have to make and the enormous political and economic and social costs if they don't."
Merkel said growth and deficit-cutting reinforced each other and that everyone around the table agreed. "That is great progress," she said. As for promoting growth, she said investments under consideration include research and development, Internet networks and infrastructure. But she said "this doesn't mean stimulus in the usual sense."
U.S. officials agreed, saying growth measures that the Europeans might pursue don't all require outright public spending, and could be in the form of public-private partnerships or in initiatives designed to loosen credit. And the leaders stayed away entirely from the world "stimulus," which has taken on an unpopular political connotation, including in the United States.
"The global economic recovery shows signs of promise, but significant headwinds persist," said G-8 leaders said.
The tension between austerity and growth ? whether to slash debt by cutting budgets or use public money and other means to help spur economic growth ? was the backdrop as Obama welcomed an emerging push for a balance between the two.
He seized the opportunity to cast the debate in terms favorable to his own re-election, closing the summit with the steps he took to right the U.S. economy and his economic vision for a second term. He said he was confident Europe could get on a path to recovery as has the United States.
"We know it is possible in part based on our own experience here," he said. "In my earliest days in office, we took decisive steps to confront our own financial crisis."
Obama chose Camp David in part to encourage a freewheeling discussion out of sight of most media and potential protests, allowing the leaders to sit around a cabin table to negotiate terms, or stroll through the leafy paths for chats that seemed a world away from the typical summit convention-hall setting.
It all came before Obama was to lead a much larger NATO summit in Chicago on Sunday and Monday that will be heavily focused on the Afghanistan war.
The drag of a eurozone crisis comes as joblessness and doubts about a life of better opportunities are already the chief concerns for American voters.
In their united view, the leaders conceded some points about Merkel's push for austerity, saying budget deficits must close.
But their joint statement added that budget cutting should "take into account countries' evolving economic conditions and underpin confidence and economic recovery." That suggested a willingness to let indebted countries take more time to reduce their deficits in line with eurozone rules in order to lessen the deadening impact of cuts on the economy.
It also called for "investments in education and in modern infrastructure," which would involve more government spending. That approach also meshes exactly with Obama's campaign-year strategy for accelerated economic growth, which is to keep spending money on core priorities while taking on the debt through cuts and higher taxes.
The statement of support for Greece remaining in the euro underlines the unpredictable damage to the global financial system that could come from a Greece departure. It follows a week of increasing speculation that Greece might not be able to stay the course, and in which a top European Union official said officials were working on emergency plans in case of a Greek exit. That country is facing the most acute financial crisis of the eurozone and is set to hold elections June 17 to end political deadlock.
At issue is whether Greece abandons the euro to escape austerity measures. Meanwhile, Europe's woes have given shudders to Wall Street.
The Fitch ratings agency dropped Greece to the lowest possible grade for a country not in default Thursday. Fitch said Greece's departure from the euro "would be probable" if elections next month do not reverse political trends there, which have brought in politicians opposed to the terms of Europe's bailout.
___
Associated Press writers David McHugh, Jamey Keaten, Nancy Benac and Anne Gearan contributed to this report.
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Saturday, May 19, 2012
Mom speaks out over school's Facebook snooping
By Bob Sullivan
A mother who says her middle-school daughter was forced to let school officials browse the 13-year-old girl?s private Facebook page is speaking out against the practice because, she says, "other parents are scared to talk about it."
Pam Broviak, who lives in the Chicago suburb of Geneva, Ill., says her daughter was traumatized when the?principal of Geneva Middle School South forced the child to log in to her Facebook account, then rummaged through the girl's private information.
"What a violation of my daughter's privacy this whole episode was," Broviak said. The incident took "a huge toll on my daughter, who ended up crying through most of the rest of the day and therefore missed most of her classes. She was embarrassed and very upset."
There have been several descriptions lately of Facebook prying by schools ? and one lawsuit was filed recently by the American Civil Liberties Union on behalf of an anonymous plaintiff against a school district that allegedly demanded a student?s social media passwords. But Broviak may be the first parent to go public with concerns about what she sees as serious violations of student privacy.
In a conversation with msnbc.com, Broviak said she confronted school officials about the incident involving her daughter soon after it occurred last fall and was told that they routinely investigate student issues by asking kids to log into their social networking pages -- or cellphones -- in the presence of administrators. And she said her daughter and other students told her they are frequently called into the principal?s office and told that they can?t leave until they surrender their passwords or unlock their phones and allow school officials to browse their personal information.
"(Students) let them see the accounts because otherwise, they are not allowed to leave the room. And that is just wrong," she said.
Kent Mutchler, superintendent of Geneva schools, said in an interview with msnbc.com that he couldn't comment on Broviak?s daughter because privacy rules prevent him from publicly discussing an individual student?s situation. But he said Broviak's description of district policy is inaccurate.
"We would never demand someone's password. When you have someone's password, you open yourself up to other issues," Mutchler said. "But if we have a disruptive situation, a school (official) will ask to see the page, and if the student refuses, we call the parents."
But principals only request access to students' social media pages under extreme circumstances, Mutchler said.
"There are different levels of concern. If there is a drug trafficking suspicion, we'll get the police involved. If it's something like cyberbullying, we'll say, 'This has been reported to us,' and ask to see the page," he said.
Often, students volunteer before they are even asked, he said.
"We ask, 'Is there something you want to show us?' that sort of thing. And they volunteer," he said.?
Such incidents are very rare among district middle schools, he said, contradicting Broviak's assertion that the inspections are commonplace.?
"It happens a half-dozen to a dozen times per year," he said.
Broviak's public complaint comes at a time when schools, employers and lawmakers around the country are wrestling with sticky privacy issues surrounding social networks. The state Legislature in Illinois is considering legislation that would make it illegal for employers to demand access to workers? or applicants? private social media information. That law is silent on the issue of schools and social media snooping, but federal legislation introduced last month by Rep. Eliot Engel, D-N.Y., would extend the protections to students, too.
Submit your questions about social media and privacy, then join our Google+ Hangout Friday at 4 p.m. ET.
Broviak said she didn't think school officials should ever look at a child's personal social media page or cellphone without first contacting parents.
"It's just wrong for them to do this, but parents are afraid to talk about it, because they are worried, 'Are they going to target my kid?'" she said.
Additionally, she said, looking at a kids' social media page violates an entire family's privacy, even if school officials don?t intend to look at posts involving other family members.
"The whole family is exposed in this," she said. "Some families communicate through Facebook. What if her aunt was going through a divorce or had an illness? And now there's these anonymous people reading through this information."
When the first incident occurred in the fall, Broviak said she didn't know what to do -- and initially chose to let it drop for fear that complaining might make things worse for her daughter. But she said reports from her daughter that other kids have been treated the same way and a recent spate of news stories surrounding the issue pushed her to speak up. Three weeks ago she published a detailed accounting of events on her personal blog, and this week agreed to be interviewed by msnbc.com.
"It's really important for people to talk about this and know what's going on," she said. "And I'm really glad that the state Legislature and Congress are considering laws to deal with this."
Her daughter, meanwhile, has learned an important but sad lesson through this experience, Broviak said.
"It's taught her to use better judgment with adults," she said. "Basically, what (they) showed her was you can?t trust anyone. Her trust in and the respect of the adults at her school has been shattered to the point that she is struggling to look beyond this abuse and allow for the education process to occur."
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