10 Crucial Steps Out of Crisis

A crisis is defined as a time of intense difficulty or danger. In the case of diseases, it is the turning point of a disease, when it becomes clear whether the patient will recover or not. It is evident in the definition that a crisis is not a desirable state. One would choose not to have to solve a crisis and a live a crisis-free life but that is not possible. Daily you meet crisis of varying shapes, forms and proportions. Some are individual (affecting you personally) and some are of a national or global coverage such as the ongoing fight with the AIDS epidemic. The goal is to find the quickest and most effective method of bringing the state of affairs back to normal. This alone explains the efforts from every sector of the world, be it donor community, research scientists, governments and corporate to bring a lasting solution to this one type of crisis. Your crisis may not be as prevalent as the epidemic but the fact remains that it is state you would desire to move out of. I have faced crisis after crisis in my life but I have emerged out of every crisis sharper, wiser and more experienced. Some of the crisis I faced taught me endurance, persistence, optimism and courage. While crisis situations have a lot of life lessons, one would not desire to first see a crisis then learn but learn anyhow from other people’s crisis. How does one get out of crisis? I answer the question from what I have learned under crisis below.

The Steps

1. Acknowledge that you have reached crisis point – It is not a sign of failure to acknowledge the state of affairs as it is. After all there is no situation that cannot be turned around either deliberately or by way of miracles. Simply declare that this is crisis level. Failure to acknowledge may derail the exit into normal mode as everyone feels it is business as usual. Make every citizen or employee know the nature of the crisis and how it affects them. Alcoholics that refused to say the statement “I am an alcoholic” fail to move out of alcoholism. Non admittance is living in denial of the facts even though they are as clear as noonday. Your affirmation will then change at a later stage as your affirm the new you. Acknowledgment is for the purpose of finding the help you require.

2. Establish the nature and category of crisis – Who is affected by the crisis? What is the general extent of the crisis? Is it affecting just the households next to you or it has become an epidemic of high proportions. The extent and nature of the crisis determines the response strategy. Life threatening crisis requires faster movement; move by instinct and save the life under threat. By establishing the extent of the crisis you are able to determine the level of reporting back and human resource mobilization to help ease or end the crisis. Every crisis is unique, every problem is different. You will not prescribe the same medication on a persistent migraine as you would on a minor headache.

3. Identify the root causes of the crisis – To know the cause of a disease is certainly half the cure. It does not benefit you to fight flames in a fire as opposed to closing the container that is fueling the fire. Similarly in crisis setups, problems and conflict and anxiety may all be flames. You need to know why the organization or country is where it is. Be frank with the reasons why. If you shy away from the actual reasons it maybe a total waste of valuable time. Put all the cards on the table, undress the crisis breaking it into the individual components that originated and grew the crisis. You will realize that the power of a fire is not high up on the flames but way low at the bottom where it is coming from.

4. Stop Creating Comfort in the Crisis – It is easy to acknowledge you are in a crisis and immediately find coping mechanisms in the crisis. By so doing you make everyone feel as if there is no crisis. It is the same as knowing that a person has a serious cut on the leg and is in excruciating pain then you give them the highest dosage of pain stopper. You may stop the pain momentarily but that does not disqualify the cut. Simply put; you have created temporary comfort in the crisis but you still have to face the real crisis you are hiding under the carpet.

5. Get Ideas from your team – As a leader you may not be the only one to prescribe the way out of the crisis.
You may not be the cause of the crisis after all. Your role is to get everyone to see the same thing and talk the same language. Bring people to a place of unity so that they actually take ownership of their situation. As long as you give yourself the burden of getting everyone out of the crisis, you may easily fight a losing battle as people may delay your exit strategy. Some may be benefitting from the crisis hence they stifle your efforts. A brilliant idea maybe hidden in the most unlikely team member, much lower on the structures of power.

6. Plan your exit from crisis – As discussed above, sometimes the crisis situation maybe a matter of life and death with the going of every minute threatening the life of people, in such a scenario there is no room for board meeting, or consensus. Movement is by instinct not according to an activity planner. Careful planning of the precepts and phases of the exit from crisis is important. Document every step, on each step you need to identify who is responsible and give the person a clear mandate of why their role is important. Get strategic thinkers to test your plan and identify loopholes. A plan is as strong as its weakest point. Test before you plunge or else you waste more time and money. Some solutions make increase the extent of the problem.

7. Get expert advice and help – If you do not have the skills necessary in your team or country, look beyond
your area. Call for specific people with specific competencies to come in. Calling in technocrats with the right experience in dealing with the issues will sometimes cost you less in terms of loss or damage than creating make-shift solutions which in actual fact have expiry dates. You may not have the liberty to experiment or try out amateur level solutions. Specialists are there to provide specialist services. Some of them have studied on the very subject to the highest level of study possible.

8. Revisit your financial priorities – Your crisis may not be related to finance but every crisis has an impact on your finances. You have to prioritize your expenditure in the direction of bring a normal environment back. All payments in line with bringing order and effectiveness are a priority. You may need to make sacrifices that affect a greater majority. This is the reason why everyone must be engaged to take ownership of the problem. As long as it remains the role of leaders to create a miracle out of a solution, followers will always want their luxuries as they may not share or buy-in to what leaders are doing even though it benefits them.

9. Execute your plan – Implementation – Most solutions look workable on paper. They sound good and practical until the real implementation is due. You may have run a pilot of the solution, you may have people’s buy-in and all the necessary plans in writing but if you do not carefully implement all you have purposed, the solution becomes a “nice to have”. Get everyone to account for whatever role they were given. Call for regular meetings to review progress, budgets, human resource gaps etc. Without a follow through, the crisis will rage on.

10. Communicate & Review Progress – You can never be accused of over communication. If anything sometime we put a lot of effort in creating solutions, we implement the solutions and forget to communicate the success stories and even areas where we are failing. Without adequate communication and review of progress, people will easily be discouraged thinking that they are not making any headway in redressing the crisis. Reviews and updates will keep everyone motivated and inspired. In the whole process you need to document everything for others to use the same notes as reference points in the future.

Occupy Wall Street and Beyond

Occupy Wall Street is a protest movement against inequality, greed, corporate-government nexus and police brutality which broke out on September 17, 2011 in Zuccotti Park of Wall Street in New York. The international protest was named “Occupy Movement” and in other parts of the United States, the movement was called “Occupy Together”. There is no formal, explicitly stated leadership and the protestors are mostly young and unemployed. However, there are moderators, and as it happens in any society, movement or organization, leaders have emerged. The noise, complete lack of civility and violence in the movement has often been pointed out by the critics. Police brutality is rampant and many protestors were arrested.

The eruption of the protests

The protests broke out when Adbusters foundation in Canada urged people to peacefully occupy the Wall Street to protest against the growing disparity of wealth and the government’s rescue package to deal with the failures of the financial crisis through their email list. Slowly, many other groups joined in to organize the movement which was largely inspired by the strategy of the Arab Spring protests. The protests began when thousands of protestors marched through the streets. In a month, the demonstrators were tens of thousands in number and held protests in close to thousand cities across the world. In two months, the movement had spread to 2,609 towns and cities across the world. The protests slowly led to arrests and the police mistreatment of protesting women and journalists were controversial.

Goals of the movement

The stated goal of the movement was protesting the Wall Street for its collusion with the state. The explicit goal clashes with the views of many critics, but there is a clustering of many mutually incompatible political positions among the protestors. Though the leaders of the movement were very much against the media reading too much into their positions other than the protesting Wall Street, the protestors in other towns and cities were free to define their positions. Social and economic justice, better employment opportunities and working conditions, income equality, banking reforms and the elimination of corporate power are the demands which echo the most.

The role of the Wall Street

The protestors tend to believe that the Wall Street and corporate greed are largely responsible for the financial crisis and resulting stagnation. The protestors oppose bailouts, and suggest banking reforms and a better regulatory framework. Many economists argue that the stock market serves a healthy economic purpose, and that the Wall Street couldn’t have brought about the crisis by its own. They argue that the blame should be shared with the Federal Reserve System which issues cheap, artificial credit and distorts the market signals to investors and individual businessmen. The Federal Reserve System has been quite active for long to rescue financial firms which run into trouble, and to compel the taxpayers to bailout these companies.

The Political Slogan: “We are the 99%”

The protestors held a themed sign which read “We are the 99%”. It was in reference to the growing inequality between the majority of the population in the United States and an elite minority, which according to the protestors, arrogated to themselves, much of the wealth and political clout. The slogan emphasizes the notion that 1% of the population owns a significant part of the wealth in the United States. It is also argued that the income disparity has gone up slightly after the economic recession. Though the concentration of wealth is often overstated, there is much truth in it, and the sentiments echoed by the slogan are not far off the mark. It is true that an elite minority owns a significant part of the wealth in the United States and very few go to the extent of denying this. However, there is much criticism against the proposed solution of redistribution of wealth.

Is inequality growing?

The Gini index (or coefficient), a measure of income inequality tells us that income inequality has been growing dramatically in the recent past. However, other studies of the income distribution in the United States do not support the notion that income inequality has been rising in the present century. The Census Bureau measures suggest that the income inequality had gone up from 1960 till 1990, but have remained roughly constant in the last two decades.

Inequality is much less pronounced when we consider income of households instead of that of individuals. The size of the households has shrunk over time and, the number of households has been growing at a much faster pace than that of the population growth. Income inequality statistics which fails to take this into account can be highly misleading.

According to US Treasury department statistics, between 1975 and 1997 the wealthiest 20% in the United Stated raised their status from receiving 43.2% of the national income to receiving 49.4% of it. The poorest 20%, at the same time from receiving 4.4% went down the rung to receiving 3.6%. But economist Steve Horwitz points out that the people who formed the bottom 20% in 1975 are for the large part different from the ones who formed it in 1997. The poorest had almost always raised their financial status and moved out the bottom quintile in these two decided. Moreover, 4.4% of the total national income in 1975 is a much smaller figure when compared to 3.6% of the total national income in 1997. The absolute position of low income individuals have been consistently improving for long.

Causes of inequality

The poor often remains poor because success in the market is partly luck and often influenced by closeness with the state. However, the consensus in twin adoption studies suggest that intelligence and conscientiousness are the strongest predictors of financial success.

The arguments against egalitarianism

Many economists think that it is the wealth of a small minority which makes the superior living standards of the common man possible. They argue that much of the wealth of the extremely rich is in the form of means of production and not in the form of consumer goods which are available in the market. It is the concentrated wealth which allows big corporations to invest in physical infrastructure. Such huge capital investment results in much higher productivity, higher wages and lower prices which wouldn’t have been possible at all in a society of self-sufficient farms and small traders. The growth of individual fortunes of businessmen pales in comparison to the growth of big business enterprises.

Big business enterprises are almost without exception, corporations, and not owned by a single individual. The big business enterprises would have long lost its status if it hadn’t served the needs of the masses, as they always serve the common man though not always in a manner visible to the untrained mind.

However, these economists readily concede that in the present world, to a large extent, wealth acquired and sustained through special state privileges and by maintaining proximity with the government. The elimination of government privileges, protection and subsidies will make the path of riches open to everyone, and not just to an aristocracy of pull. The regulatory burden and progressive taxation, especially in developing countries like India makes it increasingly difficult for an upstart to accumulate capital and reach the state of big business.

Reaction to the protests

Unlike the reaction to the Tea party movement, the public response to the Occupy Wall Street protests is largely favourable. The response is positive from left-liberal media which claimed that the protests are a left-wing tea party. While unions predominantly agree to the goals of the protests, some disagree with the anarchistic structure of the protests which is strikingly different from the unions which are well organized and authoritarian in structure. Intellectuals and people in the entertainment industry are largely supportive, and some of them make public speeches at the protests. Many leaders of huge corporations think that the protests are much understandable, though they often have disagreements on the nature and goal of protests. Most think that things are not as good as they ought to be and that to say otherwise would be a complete denial of reality.

The libertarian ambivalence

Some libertarians and political commentators who are well to the right on the political spectrum looked down upon the protests as a pincer movement, a diabolical plot of the left to overthrow the very foundations of a capitalistic society. However, some of them believe that the protests are well justified, and that it is high time that crony capitalists are stripped of their special privileges and positions. Their disagreement is not so much on the stated goal as it is on the nature of the protests and proposed solutions. Many of them think that the protests should be peaceful, and should make a coherent and well thought out case against central banking in particular and government power in general. Ben Bernanke, the chairman of the Federal Reserve and Ron Paul, the most libertarian politician from both the houses sympathized with the protests on some important levels, though for different reasons. While Ron Paul thought that the Federal Reserve (Fed) should be held up for criticism, Ben Bernanke dismissed the public outrage against the Fed as a misconception. However, both agreed that the economic situation of the country is dismal and people have reasons to find the policy response to it unsatisfactory.

The reaction of political leaders

Many political leaders across the world have expressed solidarity with the movement while some others have disagreed or have had mixed feelings about the same. The American President Barack Obama said that the protests express the deep frustrations of the American public with the aftermath of the financial crisis and the tendency of the powers-that-be to freeze the status quo. The Indian Prime minister Manmohan Singh said that there are reasons why people are protesting and that the system should be willing to honestly address these problems. The Former United Kingdom Prime Minister Tony Blair was among the few who strongly disagreed with the protests.

Conclusion

The performance of the world economies would have been better if it hadn’t been for panics and recessions which occasionally strike them. The public outrage against corporatism, inequality and the failures of central bank monetary management is understandable, but should be directed towards the real culprits.

Current Issues With COSO’s Draft Framework Update

Failures Within the COSO Framework Community

In 1992, COSO released its original Internal Control – Integrated Framework. This framework was in response to the requirements of the 1977 U.S. Foreign Corrupt Practices Act. The framework’s stakeholders have raised the following issues in their comments to the draft COSO 2012 update:

1. The majority of the firms at the center of the global financial crisis were following the SEC regulations which included having an effective internal control over financial reporting (ICFR). The firms’ SEC filings all claimed to have effective ICFR under COSO. Their assessment approaches were failures.

2. COSO has not defined and declared the problems with the existing COSO Framework materials. It has embarked on creating to an updated solution to an undisclosed set of issues.

3. The COSO 2012 update of the framework was developed primarily from one frame of reference.

4. The development approach to this revision did not follow a “Good Judgment Workflow” process. The timing of the process does not provide for adequate review, discussion and consensus development among diverse stakeholders with differing frames of reference.

COSO created a summary definition for an internal control framework containing three control objective categories: operations, financial reporting and compliance. It has also divided the principles concerning controls into five summary components:

1. Risk Assessment

2. Control Environment – Tone at the Top

3. Control Activities

4. Information and Communication

5. Monitoring

COSO followed up on its original framework documentation with additional documentation on the principles and their attributes. In 2004, COSO produced guidance on how to design and implement an enterprise-wide risk management framework. In 2006, COSO issued its guidance for smaller public companies on the principles and attributes of an ICFR Framework. This document was used extensively by the SEC and the PCAOB in their guidance and audit regulations in 2007. A based set of principles-based documentation has been created for the evaluation and assessment of ICFR. COSO must be congratulated for avoiding use of a rules-based approach.

Various commenters are calling on COSO to accomplish the following:

1. Public companies that fall under the regulation of the SEC need to have creditable guidance on how to apply the principles to address the business opportunities and risks with an effective and unique set of internal controls. The guidance needs to provide a comprehensive methodology for the assessment of ICFR.

2. COSO must state clearly the problems with the current Framework materials and their usage in creating controls. There are extensive issues with the creation, maintenance and assessment of COSO frameworks by management. There have been significant corporate governance failings concerning the review of management’s assessments. It does not appear that the external auditors are yet clearly instructed by the regulators on how to play their assurance role. The SECs has a focus on ICFR.

3. COSO needs to directly address the quality control enhancements for Corporate Governance and Risk Assessment. Better Corporate Governance and Risk Assessment are essential to prevent and lessen executive management excesses. The initial SOX regulations and reactions to those SOX regulations did not address the Corporate Governance and Risk Management issues that Congress was trying to address with Sarbanes-Oxley. Auditing Standard 2 and the preponderance of management’s internal control frameworks ran to the detail processing of transactions ignoring entity -level risk assessments. This left open the door for the Corporate Governance and Risk Management failures: i.e. AIG, Fannie/Freddie, Lehman Brothers, Country Wide, Merrill Lynch, MF Global, Lehman Brothers, etc.

4. COSO must implement a “Good Judgment Workflow” process for the approval of the revisions to its materials. COSO needs to recognize that the developers are dominated by a single frame of reference: Big Auditing Firm Experience. Those of us who have been external auditors, internal auditors, CFO’s, CEO’s, consultants to SEC registered firms and educators on frameworks understand how limiting this frame of reference has been to presenting a workable comprehensive framework.

5. COSO needs to establish a strategic plan and a tactical plan for its activities concerning “Quality Controls” over Corporate Governance and the issuing of audited financial statements. The 1977 Foreign Corrupt Practices Act was the first federal mandate for internal control framework usage. COSO’s current Framework was created for addressing this requirement. Most stakeholders did not take this requirement seriously until the Sarbanes-Oxley Act was passed. In this 25 year period little work was accomplished to enhance the art of ICFR by COSO.

Confidence in COSO 2.0

Stakeholders are confident that COSO can move forward to produce a better set of guidance concerning the establishment, maintenance and assessment of internal control frameworks. Historically, COSO has created a number of guidance documents that have contributed to the improvement of internal control frameworks. Numerous professionals have reached a base level of competence in the components of an framework by using the COSO materials as part of their guidance. Auditing firms have greatly expanded their auditing of ICFR and the documentation of this testing in their workpapers. Audit quality controls systems are improving on most firms. The current members of COSO are motivated to the enhancement of the guidance being provided.

COSO needs to:

1. Establish a strategic and technical plan for the updating of the original COSO Framework which is a quality control methodology covering corporate governance, financial reporting and compliance.

2. Within the short-term tactical period:

a. Enhance the current development team with additional frames of reference.

b. Define a clear “good judgment workflow’ for comments, discussion and approval that creates a new base document.

c. Issue a clear problem statement that supports the enhancement efforts.

3. Recognize that if the private stakeholders do not create a comprehensive set of guidelines we will continue to have Congress and Regulators setting the guidelines.

4. Add to the membership and governance of COSO stakeholders that bring frames of reference including risk management, corporate governance, legal, information technology, quality control methodologies, operations, regulators, etc.

COSO will find that if all the stakeholders take part in the process, we can advance the state of the art in frameworks. If we can do this, we will create value for the society as a whole.

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