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"Bottom-line" Culture vs. a Healthy One?
Since the mid-90's, research has shown that when people love their job and get great value out of the experience, productivity and profits are up, turn-over and burn-out are down. In fact, I recommend organizations consciously use fun as a cultural expectation, because it will increase employee and customer retention/relations, motivate individuals/teams, and ultimately improve overall productivity.

Principle IV: Prioritize Operational Efficiency
Key Principles for an African Model of Microfinance

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4.2 Minimum Regulatory Requirements and Supervision Practices: Microfinance in Africa - Experience and Lessons from Selected African Countries
The principal regulatory requirements are licensing, information transmission requirements, and prudential norms. These should be used in line with the objectives of the regulatory design discussed above. Reviewing the experience of four countries shows a similar gradual approach to licensing requirements: newer and smaller institutions are encouraged to apply for licensing without much regulatory requirement while larger institutions are regulated and supervised more closely and strictly.

Prudential Insurance Company - Car Insurance Coverage
Among the country's biggest insurance outfits is Prudential Insurance Company. Prudential was established over one hundred and thirty years ago, back in 1875. They pride themselves on their origins as a company that was set up to offer working class individuals insurance that they could afford. In the more than century since their founding, they have expanded dramatically to provide insurance in all fifty states as well as in Europe, Asia, and Latin America. Prudential Auto Insurance is the largest such insurer in Great Britain. The advantages and disadvantages to having car insurance coverage with Prudential Insurance are covered below.

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