Imagine if investors in Wal-Mart really cared about bribery at that company's overseas operations or safety standards at its overseas manufacturing plants. If investors pulled their capital, corporate leaders would have to respond.

There have been tours where we hit a different Wal-Mart almost every night.

What's Walmart, do they sell like wall stuff?

Imagine if the pension funds and endowments that own much of the equity in our financial services companies demanded that those companies revisit the way mortgages were marketed to those without adequate skills to understand the products they were being sold. Management would have to change the way things were done.

Wal-mart... do they like make walls there?

I don't care about motivation. I care about credibility.