In addition, it is such companies as Deloitte & Touche as well as Barclays, HSBC, and Standard Chartered that have made many individuals not trust this sector...I would suggest that one read this article about consulting ethics...it might be of use for those of you that plan on conducting illicit deals such as these....http://www.consultingcafe.com/articles/why-clients-dont-trust-us-the-seven-dead