Sales Effectiveness: What Does It Take To Make A Sale?

Does sales effectiveness require process – following a particular process in a particular manner?  Perhaps. Does sales effectiveness necessitate using the right technology/tools – say like a CRM system? Perhaps.  Does sales effectiveness require  a deep insight into the customer’s industry / business?  Perhaps. Does sales effectiveness require great negotiating skills. Perhaps.

Last week I presented a sales proposal. It was well received and we were awarded the work.  Several members of the client team mentioned that the proposal was spot on – exactly what they were looking for. A member of the proposal team stated that we had been successful because I had rapidly built a rapport with the client team – by honing in on their core need and talking to that. Another member of our (sales) team attributed success to the “highly contextualised presentation deck”.

To whom and to what do I attribute the success of this sales proposal?  First, let me say that I do not attribute it to killer insight to the client’s industry. I had little understanding or insight into that industry – a highly specialised industry.  Second, I neither followed a sales process nor used a CRM system.  Third, I did not put the solution together – others much more technical than me did that work. Lastly, the occasion to use negotiating skills never arose.  If there is a clue it lies in the comment “highly contextualised presentation deck”.

What I did do was a number of things. I recommended that the first cut presentation (put together by the technical folks) be presented to a key member of the client team. On that call, whilst the technical folks, presented that deck, I listened intently to the client. Where anything was fuzzy (to me, to the client) I asked clarifying questions. Following the presentation I talked extensively with the technical folks to understand the solution, implementation plan, assumptions they had put together.  This was not a comfortable discussion – I asked question after question to get from the abstract to the concrete.  Finally, I did desk based research.  After all this work, I cut down the presentation deck from 20+ slides to less than 10; I did my very best to make sure each slide spoke  to the client – relevant to the client’s problem/desired outcome, and written in language that the ordinary business person can easily understand.

Does that mean that I attribute success in ‘closing’ this opportunity to myself? Before I answer that question allow me to share some relevant information with you.  I/we (sales team) turned up on time but at what turned out to be the ‘wrong’ building. Sorting this matter out took something like 30 minutes. In the meantime the technical team via conference call had been asked to deliver the sales proposal. Having no choice they commenced delivery using the original presentation deck – ignoring the one that I had put together. By the time I/we (sales team) turned up the client team (about ten people) looked baffled and somewhat annoyed.  Then we (sales team) apologised and I delivered the sales proposal.

I attribute our success in being awarded the work to the client.  The client gave us (the sales team) a second chance: to wipe the slate clean and represent the sales proposal.  The client has a pressing need with a fixed deadline.  The client was looking to and in fact had to buy from someone – someone competent. The client considered us to be competent based on prior experience.  Put differently, the client was fertile soil for our sales proposal.

Summing up, I say that sales effectiveness comes ultimately comes down to a client that is sold on you (reputation, personal chemistry, word of mouth recommendation), has the necessary authority to influence/make a purchase, and most importantly has an urgent need to get started today to put in place something for the not to distant future. Now ask yourself how much of this is under the influence of the sales guy. Or how a sales process, a CRM system, or negotiating skills are going to make much of an impact on these dimensions.

I thank you for your listening. I wish you the very best and look forward to the next conversation.

 

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What Does The Doublespeak of Customer Love Disguise?

Looking beyond the doublespeak of customer-centricity, customer engagement, customer love to see what is truly there.

In his latest post Andrew Rudin questions the advice of customer experts and provides his take on the language that has come to pervade marketing, sales, service – business in general.  Allow me to share a passage or two from his post:

“We’re bombarded with messages from experts about getting close to customers. How close? Really close! Lustful words like embrace, love, and passion have migrated from romance novels into business blogs. Marketers freely infuse love as a marketing schtick, with buyers as the intended objects. But when sellers get amorous, I remember the words to Are You With Me Baby? by the LeRoi Brothers: “At least tonight, you know that I’m in love with you.” Explanation, not needed.”

In this conversation I wish to look beyond the fashionable language and see what shows up.  Let’s start with the role of the customer in business.

What Is The Role Of The Customer In Business?

Let’s look at business as a system for creating value.  The first question is this one, who truly matters? Look into the very constitution of company and company law. You will find it is the shareholders – specifically the shareholders who individually or collectively control the voting rights.  Next question, what is the ONLY concern of shareholders?  Wealth.  Shareholders of the business are looking for the Tops (at the helm of the business) to generate wealth for them .

Which brings us to the role of customers. What is the role of customers in business?  I say it is to enable the business to survive and thrive by feeding the business.  What do I mean by feeding the business? I mean to provide the money that the business needs. Put differently, customers are the source of cash that flows into the business and keeps the business going.

What can we conclude?  How about this, a customer is only of importance (valuable) if s/he is source of cash flowing into the business.

What Is The Extrinsic Value Of A Customer To A Customer-Centric Business?

Anyone who truly understands the genesis and true meaning of customer-centricity will be familiar with Customer Lifetime Value (CLV).  How does one calculate CLV? Be estimating a figure for the lifetime (years, months), then estimating the value (revenue, contribution..) that this customer will generate for the business over the lifetime.  The smarter folks will discount the value to take into account the time aspect of money.

Here, I draw your attention to a critical point. The past does not count, only the future counts.  What the customer has contributed to the business in the past is irrelevant.  It is only his value to the business in the future that counts.

Why calculate CLV?  To differentiate between customers. In my days at Peppers & Rogers it was the done thing to perform the calculation and then put customers into three buckets: MVCs (most valuable customers), MGCs (most growable customers), and BZs (below zero). And the corresponding ‘strategies’ were to retain MVCs through great service / preferential treatment, increase the value of MGCs by persuading them to buy more at higher prices (x-selling, upsetting), and get rid of the BZs as they were taking value away from the business.

What is going on here?  Pure self-interest.  As Tops we wish to enrich ourselves – earn and walk away with the greatest wealth for ourselves. To do that we must please the shareholders.  To please the shareholders we have to generate as much as value as we can. To do that we need to focus on customers – those customers who hold the promise of generating the most value for us ‘today and tomorrow’.

Here I wish to add that the drive to automate interactions between the customer and the business saw its genesis in the promise of technology to cut down the cost of customer interactions by replacing employees with technology.  By cutting down the costs the value generated by customers, as in CLV, could be increased – sometimes substantially.  The fact that automation of interactions led to benefits to customers was an added bonus – not the primary motive. Disagree? Then answer this question, why have IVRs proliferated rather than being ripped out?  Customers hate IVRs and have hated IVRs for years.

What Value Does Business Place On The Intrinsic Value Of A Customer?

Look beyond the label of customer. What do you see?  I see a human-being – a flesh and blood human being.  Is there any intrinsic value to a human being.  Let’s take a look at that by examining real life examples.

When I see a pregnant woman, a fellow human being, standing on a train, I offer her my seat. Usually I don’t even get to do that. Why? Because some other man or woman has offered her a seat by the time I open my mouth.

When I see an elderly wo/man with what looks like heavy luggage I offer to carry that luggage up and down the stairs – usually at train stations. I do so without being asked.

Once I was in a Deli – some 10-15 years ago. Whilst ordering lunch (sandwiches, drinks…) I notice a young lady. She was not dressed well. She had a handful of coins and she was counting them.  She looked hungry – I saw her face looking at the product. Yet she ordered a tea. I calculated that this was the case because she could only afford a tea. All this happened in seconds, maybe a minute or two.  Immediately, I took out £20 and gave it to her.

When it comes to birthdays and Christmas, I ask folks not to give me presents. I tell them if they wish to contribute to me then they should do so with cash.  Do I need the money? No. So why do I ask for it? Because I get joy out of putting that money into Kiva and then using it to fund folks around the world, who have ideas but lack the money, to build better lives for themselves and their loved ones.

Am I the only one doing these things? No. One of the people I value highly is the President of a leading player in the VoC market. He travels a lot. When he travels he helps folks put their luggage in the overhead compartments. It is not an option for him to not help those who need help. And he gets joy out of this.

I suspect you, also, have at some point in your life carried out an act of kindness. If not, then I suspect you have read about, seen or witnessed an act of genuine human kindness and been moved by it.  Why?

Here is my answer. We ‘know’ at some deep level that there is intrinsic value in a human being – a human life. Why? Because, for the most part, most of us are brought up that way: to value human life, to treat folks right….. To be helpful members of society.  What is heroism but the sacrifice of oneself for the wellbeing of our fellow human beings?

What about the business world?  Does the business world of largish corporations recognise and honour the intrinsic value of a customer as a fellow human being?  Look into this and you will find that aside from small scale community based ‘mom and pop stores’ there is no genuine relating between the business and the customers. A small ‘mom and pop store’ where mom and pop work will get to know their customers: their backgrounds, their family, their hopes and dreams, their challenges…. their intrinsic value.  Not so the case in corporations where the roles remain but the folks that fill those roles is like hotels: the rooms are the same but occupied for short periods of time by many guests.  Further, and this is important, genuine human relating is not permitted in corporations.  What is permitted, even encouraged, is fake relating: scripted interactions, scripted smiles…

When is the last time that a largish corporation paid for life-saving treatment for one of its customers? Or took actions that take time and money to make a customer’s dream come true?  Yet some celebrities have done exactly that for their fans. And folks in communities get together to do that if one of their own is in need.

No, the business world of corporates is blind to the intrinsic value of a customer, any customer.  The only value that counts is the extrinsic (CLV) of the customer – however this is arrived at, whether by intuition or by making complex calculations.  I, the corporation, do something for you if and only if the calculations shows that you will do something for me which is of higher value so that there is good ROI for me.

Summing Up

Without friendship life is hollow which is why almost all of us seek and cherish our genuine friends.  Without love for some person or some activity life is missing something essential. Without being loved by someone or some community life is missing something that is essential to our well being.

So relationships do matter. Love does matter.  However, it would be foolish to expect this kind of relating occurring between a customer and a corporation.  And experts/gurus encourage companies to love customers is pure BS.

Yes, the language that folks in business and those who make a living from pandering to businesses (the media, business gurus, consultants, professors…) has changed.  It speaks of customer engagement, customer relationships, loyalty, customer love….

No, the game of business has not changed.  The game is the same as it has always been – causing ‘surplus rents’ for Tops (in the form of pay, bonus, shares) and Shareholders.  All the Customer talk is doublespeak – it disguises the transactional orientation, it disguises the lack of morality and ethics in big business.

I leave you with this thought / assertion: It is easier to change the words, the images, the slogans, the story than it is to change the system (purpose, values, priorities, people, roles, relationships, practices, tools…).  Therefore, in the absence of a catastrophic breakdown, only the words, image, slogans, and stories change.

I thank you for your listening and I wish you the very best.  Until the next time….

Why Is It That So Many Who Sell Are So Ineffective At Selling?

Are you looking for a  definitive answer to sales ineffectiveness? The kind that identifies the ‘top 10 reasons’ and then recommends great sounding actions. If you are then you have come to the wrong place. I don’t position myself as a sales guru. And experience has taught me to distrust the one definitive answer. Sales advice form sales gurus, for the most part, strikes me as being similar to religion: pure ideology with bits of truth thrown in the mix.

I don’t have a definitive answer for you.  What I wish to do, in this conversation, is to explore the question  through my own lived experience: being on the receiving end of sales pitches as the author of this blog.  Let’s start with advertising.

Sales Pitches From ‘Advertisers’

From time to time someone will contact me to sell me on the idea of accepting advertising (of one kind or another) and making some money.  Nobody has as yet succeeded in persuading me to put ads on this blog. Why not?

When I started sharing that which I share here I made a commitment to myself. What commitment? To share my authentic voice uncorrupted by the profit motive.  As such I ruled out accepting standard adverts or paid for placement masquerading as my thinking, my voice on some matter or other.

The folks who pitch me  to ‘accept advertising and make money’ do not get that I relate to myself, on this blog, as giver not a taker, as thinker not a publisher. And for me, money is not the be all end all of a worthy life.

Sales Pitches from Search Engine Optimisation Folks

I regularly get sales pitches from SEO folks. Some of them have even taken on the best practice advice of sales gurus. They have done an analysis of this blog. As such they have identified the weaknesses and the impact of these weaknesses. Furthermore, they come up with sensible recommendations for improving the visibility and traffic to this site.

As yet I have not purchased. Why not? The fundamental fact is that this blog is a platform for me to share my authentic voice and contribute to those who find that which I share a source of contribution. As such, I prefer for a niche set of people to find me rather than take on some form of mass marketing.   Put differently and equally true, this blog is a form of self-expression rather than a money making venture.  Don’t get me wrong, I’d love for this blog to be at the top of Google rankings. But only on merit, not on search engine wizardry. Yes, I am old fashioned. I might even lack ambition to make it to the top.

Sales Pitches From ‘Writers’

From time to time, and sometimes regularly, people offer to write / supply content for me. Most offer to do it for free. Why is it that I decline the offers of free content?

Firstly, why would I deprive myself of the satisfaction of self-expression and contribution?  That which I share here with you is a valuable form of self-expression for me. I enjoy grappling with, thinking through, and finally sharing that which I share.  This process leaves me feeling creative. And to some extent of service, of contribution, to my fellow human beings – at least some of them.

Secondly, I insist that those who offer to write, contribute something original, something authentic, something that provokes thought, something worth reading.  This is far too demanding for those who offer to write for this me/this blog.  Mostly their pieces are marketing pedaled as an original ‘thought piece’. Or I find no thought in the so called ‘thought piece’. I am delighted to say that one person accepted the challenge and ended up publishing his post here on this blog.

Sales Pitches From Conference Organisers and/or PR Folks

From time to time conference / seminar organisers pitch me the idea of turning up at their event and speaking. They do not offer payment for my time or service.  They assure me that my presence will be good for my reputation – building my brand.  For the most part, I decline these offers. Why? My time is valuable: it is the source of my income, source of relating and relationships, source of thinking through and sharing that which I share….. Furthermore, I have always felt rather uncomfortable at being positioned as a guru. And I have no desire to be branded. I value my freedom of thought and self-expression unconstrained by existing filters / expectations.

PR folks reach out to me and invite me to attend a particular company event and write about it. What is the trade being made here?  It occurs to me that it goes something like this: you are privileged to be invited, we will cover your expenses, and you will have a great time. All in return for writing a favourable post on your blog.  I have never accepted such an invitation. Why? It occurs to me that this is peculiar form of advertising: I advertise a particular company and pay (time, lost earnings) for the privilege of doing so.

Who Has Succeeded In Selling To Me?

Has anyone succeeded in selling to me as the author of this blog? Yes, a few people have.  For the purposes of this conversation, I wish to highlight Bob Thompson. Recently, Bob Thompson sold me on writing original content for his venture: CustomerThink.  How did he do it?

Did he offer to pay me? No. Did he offer to build my brand? No. Did he offer to fly me to one or more exotic places? No.  He offered me nothing along these lines. So how is it that I took up his invitation to write original content for the idea he has in mind?

Bob shared his idea and invited me to step into it with him and a few others. Why did I accept?

One, Bob told me that he finds that which I share thought provoking. In particular, he likes the leadership / human side of things that I bring up and talk about. He presented me with an avenue to express the stand that I am: a stand for humanity (the best of our humanity) in business and the workplace.

Two, Bob reached out and validated me when I most open to that validation. When did this occur? When at the suggestion of friends-colleagues-family members I started this blog some four years ago. At that time it did not occur to me that I could write. Nor that I had anything valuable to share.  After three months or so of sharing my take on things Bob noticed my voice which was mostly unheard.  He told me that he liked that which I shared. And invited me to contribute to CustomerThink. I continue to be grateful to Bob.

Three, Bob and I have met in person when he was stopping over in London.  People do ask to meet me and mostly they do so because they want something from me e.g. to publicise their company.  Bob’s invitation showed up for me as an invitation to meet me to meet me. Which is to say, it struck me that Bob wanted to learn about me. To spend some time with me. And I gladly took up the offer.

What conclusion do I draw from this? It occurs to me that Bob Thompson has been effective and efficient in selling to me because he gets me: what my world is, what I am about in this world, what matters to me, what possibilities leave me moved-touched-inspired. And he has connected with me as I wish to be connected with: one human being to another sitting at a cafe talking about that which is worth talking about and sharing that which makes each of us genuinely human. Put differently and using the words of Martin Heidegger, I say that Bob Thompson has good enough understanding of the ‘world hood of my world’. And this enables him to be effective in pitching what is most likely to speak to me.

I leave you to draw your conclusions. And I thank your for your listening – it is that which continues to bring forth my speaking through this blog.

A Skeptical Look At The Dogma of Sales Effectiveness

After walking the hallways of business for over 25+years what is it that strikes me?  Nonsense. Specifically, I am struck by how much of what is accepted as the standard way to think about and do things, in business, strikes me as nonsense. It occurs to me, that some of the ‘best’ nonsense is labelled ‘best practice’.

The Nonsense of the Sales Pipeline and Sales Forecasting

There is a particularly delightful piece of nonsense, ‘best practice’, in the area of the sales pipeline and in particular sales forecasting.  Let’s start with disclosing what the ‘best practice’ is. From what I have seen it occurs to me that the ‘best practice’ is:

  • to break the sales pipeline process (some call it opportunity management) into stages and to associate a specific probability of success to each stage;
  • each opportunity, at whatever stage of the opportunity management process, has a revenue figure , an expected close date, and an associated probability attached to it;
  • the sales forecast (of how much revenue the sales force will close) is calculated from these opportunities – the revenue, the probability of successfully closing that opportunity, and the expected close date; and
  • each sales person is held to account for delivering the expected sales forecast figure from his pipeline.

This all sounds sensible if looked at on its own divorced from the real world. What shows up when you expose this ‘best practice’ to the real world? Let’s imagine that five vendors are pursuing the same sales opportunity ($1m) with MegaCorp and they are all using the same six stages to track and forecast this sales opportunity within their organisations.

  • Initial Contact – 0% (probability of successfully winning this opportunity)
  • Qualification – 20%
  • Proposal Submission – 50%
  • Presentation to Decision Maker – 80%
  • Contract Negotiation – 90%
  • Close – 100%

Now let’s assume that three of the five vendors have made the final cut and thus been invited to make a presentation to the decision maker.  What will show up in their sales forecasts?  Each of the vendors will be forecasting revenue of $800k.  And given that the probability is at 80% (so high) the unfortunate sales reps responsible for these opportunities are likely to find themselves committed (by the rules of their organisations ‘best practice’) to delivering this revenue.

Now let’s look at the situation. $1m is on the table. Three organisations are in the running for this prize. Each has an equal chance – 33.33% probability and so each should only be forecasting to win $333k.  Yet, each is forecasting $0.8m and collectively they are forecasting to win 3 x $0.8m = $2.4m.

Let’s assume, that two of the three vendors are invited to submit a contract for negotiation. What will be contained in the sales forecasts?  Each vendor will forecast $1m x 90% = $0.9m and collectively they will forecast $1.8m in revenues. What is the money on the table? It still remains at $1m.

It occurs to me that in the absence of having fixed the game in advance, the probability attached to an opportunity, at whatever stage, is (or should be) works out as follows (if one stays firmly in touch with the real world):

  • Probability of winning sales opportunity <= Deal size / No of vendors still in the running

It also occurs to me that if this way of accounting for opportunities was embraced then more sales people would record and track their opportunities rather than waiting to win/lose the opportunity and then going back and filling in the requite fields in the CRM system or Excel spreadsheet.

The Nonsense of Process

If there is a God in the world of business then it occurs to me that it is ‘Process’.  The taken for granted assumption is that there has to be a process for every piece of work that has to be done in an organisation. Why this insistence on process?  It occurs to me that folks in business have collapsed effectiveness/performance (generating the desired outcomes) with process (doing work through a prescribed set of steps and methods):

  • following process = generating the desired outcomes.

This is clearly not the case. And I say, it is especially not the case when it comes to effectiveness in the domain of sales and selling.  Yes, it is quite likely that training a green / novice / incompetent sales rep in process will result in an increase in his sales performance: he will close more deals.  No, it does not follow that process turns an average sales rep into a great one.  It is quite possible, even likely, the need to follow prescribed process creates unnecessary work, and gets in the way, of good sales people working sales opportunities and closing them.

Let me put it differently, if success in sales is so highly dependent on following a prescribed sales process then we should be able to take people who are great at following process and turning them into able sales folks.  Which folks in business are treating at following process?  How about the folks in Customer Services, or Field Services, or Finance, or Logistics, or Operations, or IT?  Having second thoughts?

It occurs to me that success in sales requires a certain way of being-in-the world. In part this way of being in the world involves how one relates to and is involved with people and the challenges/risks/anxiety involved in the world of selling.  If this is not your way of being-in-the-world then it is highly unlikely that you will excel at selling no matter how versed you are in the process or how skilled you are in the tools of selling.

Above and beyond this familiarity with people and ease with the anxiety of selling is attunement. What attunement? An attunement to the situation – the context – at hand: the economic environment, the company you are selling to, the people you are dealing with in chasing opportunities, the product/s you are selling, the organisation you work for, the competitors etc…

No amount of process, method, templates and tools can generate this attunement in and of themselves.  This attunement has to be earned through lived success and lived failure, through learning by doing.  This kind of attunement arrives only after one is scarred through real world experience on the ‘battlefield of life’.  Still wondering what I am talking about?  I invite you to read the following passage:

I think it was in Argentina that I turned professional. I had been on the road for a year; I had been very high and very low, and everywhere in between. The world no longer threatened me as it had; I felt I had the measure of it. 

…. Riding the bike was as natural as sitting on a chair. It scarcely tired me at all. I could pack and unpack the bike with the automatic familiarity of shaving, and I did not allow the prospect of it to annoy me.  The same was true for minor maintenance problems: a puncture, cleaning a chain, aligning the wheels, whatever it was. I did it without giving a thought to the inconvenience. The things were facts of life. I slept on the ground more often, and my bones began to arrange themselves accordingly…

I felt very much tried and seasoned, and no longer expected to make silly mistakes or confront unexpected hazards. I had also developed a battery of useful instincts. I knew when there were thieves around, when the bike had to be protected and when it was safe ….. I knew when to expect trouble from strangers, and how to defuse it. I knew what drivers of cars and lorries were going to do before they knew it themselves. At times I think I could even read the minds of stray dogs, though it was a rarity to see one on the highway that was not already a pulped carcass at the roadside

Ted Simon, Jupiter’s Travels

And Finally

I leave you with my assertion: a lot of that which is sacred in business is nonsense. What it takes to see this nonsense is to empty oneself of the theory, of ‘best practice’, of the taken for granted way of thinking about and doing things, and to look at the situation with fresh eyes:

“The real voyage of discovery consists not in seeking new landscapes, but in having new eyes.” 

– Marcel Proust

Why Aeroplanes Don’t Fall Out Of The Sky; Why Business Screws Customers and Hospitals Kill Their Patients

I invite you to ponder the following

  1. Why is it that commercial aeroplanes don’t fall out of the sky?
  2. Why is it that terrorism did not take root, establish itself, and grow in the USA/UK?
  3. Why is that it is rare for criminals to kill a policeman in the UK?
  4. Why is it that the bankers lied-cheated-stole, brought the western capitalist system to its knees, and prospered whilst the rest of society has been paying the price of their actions?
  5. Why is it that hospitals in the NHS have been killing their customers (the patients) for ten years (or so) despite whistleblowing (by doctors and nurses working in these hospitals) and complaints made to hospital management, the regulators, and the politicians?
  6. Why is it that employees have no voice in large organisations and domination-intimidation of the less powerful by the more powerful is rife in these organisation – public and private?
  7. Why is it that large established businesses, and those who lead-manage-run them, continue to screw (cheat, swindle) their customers?

What did you come up with?  I suspect that you came up with the standard excuses and explanations – this is what we do when we show up from the taken for granted way of seeing and explaining.

What shows up when I look beyond the accepted excuses and explanations? 

I invite you to put aside the standard, commonplace, complaints, excuses and explanations.  Instead I invite you to grapple with the question that I have posed in a zen like manner. What shows up for you?  When I grapple with this question this is what shows up for me:

  1. When a commercial aeroplane falls out of the sky it is clear-obvious that the aeroplane has fallen out of the sky. When such an aeroplane falls out of the sky people die and often there is carnage.  Loved ones grieve and demand answers. The media is on the scene and gives voice to the grief-loss of the loved ones and vividly displays the carnage.  All of which makes it unacceptable for commercial aeroplanes to drop out of the sky.  Put simply, commercial aeroplanes don’t fall out of the sky because we do not accept them falling out of the sky!

  2. Terrorism failed to get established in the USA and UK because it was unacceptable to allow terrorists space to terrorise.  Because it was not acceptable, massive resources were mobilised and draconian measures put in place to deal with threats of terrorism.

  3. It is not ok for criminals, or anyone else, to kill a policeman in the UK. Killing a policeman is going to far and that is something we will not allow. Because we do not allow it, it rarely occurs.

  4. Bankers lied-cheated-stole and got away with it because we accept lying-cheating-stealing as business as usual. Greed is good. Lying is good. Cheating is good. Stealing is good. As long as this lying-cheating-stealing generates bumper profits, generates employment and yields the requisite tax revenues.

  5. A number of NHS hospitals have been killing their customers, the patients, over a period of some 7 – 10 years because we accept it. It is OK to kill patients provided the instructions of the Tops (the government ministers) are carried out. It is not OK to disobey our masters. It is OK to kill patients. Besides the killing of patients by neglect-negliance is not evident unlike the clarity of aeroplanes falling out of the sky.

  6. Domination, intimidation and bullying is common place because it is OK to dominate, intimidate and bully people. It is the way that the powerful get the powerless to do what they want them to do. It is the way to exercise control.  It is business as usual in public and private sector organisations.  It occurs because we accept it.

  7. Large established businesses, and those who run them, continue to screw their customers because it is not obvious when this screwing is taking place. And even when it is obvious it is perfectly OK to screw customers. We accept that business and those who run them will seek to and find way so screwing customers. This is simply business as usual.

Lloyds Banking Group is fined a record £28m by the Financial Conduct Authority

If it occurs to you that I go too far then I invite you to read the latest revelations as showcased in the following piece in the Guardian newspaper: Lloyds Banking Group fined record £28m in new mis-selling scandal.  This is what Tracey McDermott, the Financial Conduct Authority’s director of enforcement and financial crime is quoted as saying:

Customers have a right to expect better from our leading financial institutions and we expect firms to put customers first – but firms will never be able to do this if they incentivise their staff to do otherwise.”

Why has the FCA handed down a record £28m fine?

According to Guardian piece:

1. “for putting staff under intense pressure to sell products customers did not want – or face demotion and pay cuts”; and

2. “the fine had been increased by 10% because Lloyds failed to heed repeated warnings about sales practices and because it had been fined 10 years ago for poor sales practices. 

Summing up

It occurs to me that which shows up and continues to show up in our world, the human world, is that which we accept, that which is OK by us, that which we assent to in our way of being-showing up in the world. As customers we get what we accept – no more, no less. As employees we get what we accept – no more, no less. As citizens we get what we accept – no more, no less.