Kenneth Haynes' enquiry into the finance industry has exposed troubling ethical behaviour among those we expected should know better. But the problems are not confined to senior executives in large corporations. As my recent talks to Rotary clubs explained, this unethical behaviour is widespread. Here, in the text from those talks, I sheet home the blame to bad parenting and an adolescent unwillingness to take responsibility for our own actions. The Decline of Civil Virtue: A