Thank for writing this. The problem, Floyd, is the majority will not be caught. Being ethical is tough in this day and age. There is no reward for it but your ability to look in the mirror and say "I did the right thing" while your neighbor drives off in his Mercedes and vacations in Bali with his small business loan money. It's not fair. Nothing is fair. I'm believing my next life will be an improvement on life on Earth. How about you?