有这样一种人，他们认为不管是在生活中还是在生意场，任何规矩都对他们不起作用。到处是这种人，而且这种印象越来越明显，因为不管是在金融、政治、宗教组织，还是其文化副本：体育组织，我们每天都会读到层出不穷的丑闻。所以并不奇怪为何人们对制度的信任滑落到了历史低点。读者诸君应该问问自己：你与时俱进了吗？测试一下，看看答案。

    如果你的公司有机会赚一大笔钱，但是得替武器贩子和贩毒集团洗钱，你会干吗？

    A. 会。就算我不干，也会有别的人干。

    B. 不，我可不是银行家。

    如果你知道某种产品没有合适的商业模式，在未来5年内也无法盈利，但你可以为其募集资金、上市、然后及时兑现你的股份，再冷眼旁观公司不可避免地滑向破产深渊，让那些轻信的投资者背黑锅。你会这么做吗？

    A. 当然。创业市场就是这么赚钱的！

    B. 不，我又不是风险投资家、科技博客作者或者斯坦福（Stanford）毕业生。

    如果你是确定利率的负责人之一，该利率将决定全球信贷成本，你可以捏造数据而且逃脱处罚。你会这么做吗？

    A. 会，如果其他人也这么做的话。

    B. 不，我可不是银行家。

    如果你是tiddlywink游戏（用大拇指玩的无聊游戏——译注）的冠军，但觉得你的大拇指开始变得僵硬，为了延长职业寿命，你会服用能提高成绩的违禁药物吗？

    A. 会，只要不被查出来。

    B. 不会，除非那种药也会让我在床上神勇无比。

    如果你是制药公司的员工，你知道有一项实验显示公司的某种药物会让青蛙长出第3只眼。你会隐瞒这份报告，直到该药的专利失效吗？

    A. 就一个实验而已？来源在哪里？我们得驳斥这种谬论！

    B. 不会，但我没有得该死的脚气（暗指该药用于治脚气——译注）。

    如果你发现公司2012年的优秀业绩全靠强取豪夺他人的家园，你还会接受奖金吗？

    A. 会。奖金多好啊。

    B. 不，我可不是银行家。

    如果你每年收入数亿美元，你会聘用一个能干的律师团队想尽办法帮你避税吗？

    A. 会。多交一个子儿的税我都不干，多交税就像服用违禁药物然后被抓一样可耻。

    B. 不！……不过……真的有这样的方法吗？

    如果你的工作就是向天真幼稚、缺乏经验而又轻信于人的投资者兜售证券，对于你的公司正在秘密大举做空的投资产品，你还会大力推销吗？

    A. 那些卫道士真烦人，他们不懂市场里只有输赢，（没有道德），只有赢家才能活下来。

    B. 不，我可不是银行家。不过我现在开始想，我要真是银行家就好了。

    计分：每选一个A，就给自己加10分，因为显然你是世界的主宰。每选一个B，就给自己减10分，因为兄弟，你真是拎不清。

    It's increasingly clear that the world is full of people who believe that the rules, in life and in business, do not apply to them. Every day you read tales of miscreancy in finance, politics, organized religion, and its cultural counterpart, organized sports. It's no mystery why trust in our institutions is at an all-time low. So ask yourself: Are you in step with the times? Take this little quiz and see.

    If your enterprise had a chance to make a huge amount of money by laundering cash for weapons dealers and drug cartels, would you do it?

    A. Yes. If I didn't do it, somebody else would.

    B. No, I'm not a banker.

    If you knew about a product that had no business model and could not see its way to profitability in the next five years, would you raise money for it, take it public, and then cash out just in time to watch it spiral down into insolvency, leaving credulous investors holding the bag?

    A. Sure. That's the way the startup market operates!

    B. No, I'm not a venture capitalist, tech blogger, or Stanford graduate.

    If you were one of the people responsible for establishing the interest rate that determined the cost of loans all over the world, would you fudge the numbers if you thought you could get away with it?

    A. Yes, if everybody else was doing it.

    B. No, I'm not a banker.

    If you were a champion tiddlywinker and felt your thumbs growing stiff, would you take performance-enhancing drugs to prolong your career?

    A. Yes, but only if they were undetectable.

    B. No, unless they would also help me in the sack.

    If you worked for a pharmaceutical company and knew of a test showing that one of your drugs caused frogs to grow a third eyeball, would you bury the report in chocolate pudding until the product went off patent?

    A. One test? What was its provenance? We dispute it!

    B. No, but I don't have to suffer from the horror of athlete's foot.

    If you found out that your enterprise achieved its excellent results for 2012 by illegally forcing people from their homes, would you accept your bonus?

    A. Yes. I like my bonus.

    B. No, I'm not a banker.

    If you made hundreds of millions of dollars a year, would you hire a brilliant team of lawyers to figure out a bunch of ways to avoid paying taxes?

    A. Yes. Paying one penny more in taxes than you have to is as wrong as taking performance-enhancing drugs and getting caught.

    B. No! ... er ... is there a way to do that?

    If your job was to sell securities to naive, untrained, and generally unsuspecting investors, would you put a hard sell on investment products that your firm secretly was betting big money would fail?

    A. I really hate moralistic jerks who don't understand that the marketplace is all about winners and losers, and it's better to be a goddamn winner.

    B. No, I'm not a banker. But I'm starting to wish I were one.

    Scoring:Give yourself 10 points for every (a), because the world is yours, apparently. And deduct 10 points for every (b). You clearly don't know the score, pal.