Twenty-five years ago, as an American GP living and practising in Wales, I would watch BBC sports programmes, such as darts and bowls and snooker, all unknown to me and, therefore, fascinating. I always found it odd — pairings such as Scotland (or Wales) versus The Rest of the World. It either seemed overly ambitious for Scotland or slim pickings for the rest of the world. After the recent US presidential election, it appears as if it will continue to be the US versus The Rest of the World.

Three books might help you, who are of ‘the rest of the world’, begin to grapple with what is going on in the US. Written from the short, medium, and long view, each has a somewhat parochial twist. Each also, however, contains a great deal of useful history.

The 9/11 Commission Report refutes the old saw that nothing good can be written by a committee. The report is a remarkable book and its recent nomination as a finalist for the National Book Award is a first for a government document, and well deserved. What is contained in this report is well known by most of us — the cast of characters has been in the news for over 3 years. And the sequence of events and many of the details that were gleaned from the ongoing hearings have been contained in news stories, long and short. However, to have published what is known until this point in a single narrative, which is at once accessible and clearly written, is a truly historical achievement. Reading the events of the day — regarding the planes that crashed in the city of New York, as the rescue squads from police and fire departments move into place and act — is both familiar and detailed in a way that helps us understand better than I would ever have imagined the why and how of all the death and destruction.

So much about those days have been parsed into documentaries — long analyses of causation of issues, like why the towers fell — that one would think that everything that could be written had been. But the Commission's report really does add enormous amounts of history to the sound bites and 30-second visuals that have pervaded politics and the world assessment of the US since that time. The report deals extensively and thoughtfully with the history of Islam, both ancient and recent, and describes the history of terrorism as it evolved from highjackings of the 1970s to the use of bombs and targeted destruction of military targets in the late 1980s and 1990s.

Events that occurred in the time that preceded the attacks of 9/11 are written in a way that shows the convergence of intelligence reports, a long history of threats from Bin Laden, and many alerts and warnings (‘the system was blinking red’ in the words of Tenet, CIA director). The information about the movements of the terrorists in their planning and the worldwide involvement of cells, support systems, and finances makes it clear that these events were truly the result of a network that reaches virtually everywhere.

After the attacks, reading of the efforts of the fire, police, and other rescue squads in New York adds specifics that are terrible and remarkable. On 9/11, I ran up and down the stairs between patients to watch on television as it was all happening. All of us who watched that day wondered what those people who were clearly doomed were thinking, feeling, and seeing. Their actual words in this report are not fiction, they are the words, for most the last words, of people who died as we watched. Their words are the hardest part of this long, detailed report to deal with.

Much of the final third of the report is devoted to what a fire captain friend of mine once called a PFE — a post-fire evaluation — which he mandated for his squad after every fire. In a PFE, the entire squad reconstructed, relived, and discussed the events to see what could be improved next time. The 9/11 Commission engaged in a world-scale PFE. Although all US politicians state that they intend to follow the recommendations of The 9/11 Commission Report, the backing and filling is already well underway. What politician, for example, is going to agree that major conurbations, and political and tactical targets should receive preference over their hometown fire departments and that homeland security money should ‘not be used as a pork barrel’?

Rather than bringing a grieving country together in a way that will make such events unlikely to happen again, the reactions from the report have begun to cleave along party lines once again. The 9/11 Commission was almost unique in its thoroughness, transparency, and its ability to focus on the real issue of terror and lawlessness. However, the extent to which a violent stateless ideology has negatively affected the tolerance of differences, the sense of community, and the level of civic discourse in the US means that terrorism has affected our neighborhoods as much as it has affected our country. And fear rather than determination, despite the President's stump speech, has become the dominant emotion.

Robert Byrd, from his 45-year perspective in the US Senate, understands that cheques and balances are essential to avoid tragedy, even if they, at times, impede progress. His book, Losing America, contains several ‘under-the-table’ looks at Congress and the manipulations and arrogance of the coterie of ideologues who surround George W. Bush. Byrd, from the Southern tradition of politeness and respect, which often cloaks bar-room politics, is steeped in the history of the institution of the Senate. He is personally offended by Bush's lack of interest or curiosity in the legislative process prior to 9/11, and his dishonesty and deception afterwards. Byrd's address to the Senate on the eve of the war on Iraq was widely quoted and is contained in this book. While people marching in the streets made headlines, it was an 85-year-old senator, not previously known as an outraged progressive, who took on both the Administration for its hypocrisy and many of his colleagues for their lack of courage and principle. He voted against the war and continues to point out the dishonesty of the people who guide it. The book reads with a sensibility from another age. Although his own history is certainly not without problems, Senator Byrd's belief in the true democratic process, rather than the gun-barrel approach of George W. Bush, should be given the respect that he, and it, deserve.

Arthur Schlesinger Jr has been writing history since 1946 and has Pulitzer prizes to prove he does it well. His voice is considered, thoughtful, and scholarly — as one might expect from a historian and distinguished teacher. Toward the end of his book War and the American Presidency, however, Schlesinger's voice rises with outrage at those who surround and influence George W. Bush, the ‘small group of Messianic statesman whose self righteousness bids fair to wreck our age’. He writes of the imperial presidencies of the early years of the country, which repressed dissent during wartime, and how the US moved from wars based on pique to engaging international diplomacy and internationalism. Schlesinger reminds us that all presidents since Wilson, with George W. Bush being the glaring exception, believed in statesmanship, diplomacy, alliances to guard against capricious choices and, when necessary, taking on common enemies.

Much of Schlesinger's book, however, also chronicles the record of the current Administration which, by being ‘judge, jury, and executioner resurrects the imperial presidency’. An imperial presidency in the age of frigates and single-shot rifles cannot be compared with one that possesses weapons of mass destruction and a wooly-headed sense of divine guidance. We used to think of Henry Kissinger as the prototype for Dr Strangelove, but I wish Kubrick were still alive to do the remake with Dick Cheney and Donald Rumsfeld in mind.

Needless to say, the recent election, instead of relegating George W. Bush and his hangers-on to the historical trashbin, has pushed them to the front of the international agenda. A secretive, defensive, unreflective president will now shape the world for our grandchildren. Each of these books elaborates on the ineffectiveness of Bush dealing with the real enemy while he digs deeper into a country where he is creating more enemies by the day.

One has to ask why, instead of quietly writing their memoirs, two distinguished 87-year-old statesmen are raising the alarm and shaking us by the throat — like the aging Thomas Jefferson who, in his famous letter of 1820, said of the first compromise to try to divide the country between slave and free states: ‘this momentous question, like a firebell in the night, awakened and filled me with terror’. Byrd and Schlesinger hear the firebell and are ringing it to wake us up. Another quote that might better capture Bush and his legacy would be from the Bible he uses as justification for his policies: ‘He that troubleth his own house shall inherit the wind’ (Proverbs 11, 29).

The 9/11 Commission Report: Final Report of the National Commission on Terrorist attacks upon the United States.

................................................................................................................................. ii Acknowledgement ............................................................................................................... iii Table of

/pdf/the-legal-aspects-of-cybercrime-in-nigeria-an-analysis-with-1ah6cy15ef.pdf

The Legal Aspects of Cybercrime in Nigeria: An Analysis with the UK Provisions

Purpose – It has become customary for states or regulatory domains to come together and evolve normative regimes to deal with overlapping exigencies such as money laundering. Over the past two decades, there has been a proliferation of global AML laws designed to foster international cooperation against money laundering and its predicate crimes. In this same vein, some states have adopted domestic AML laws designed with an ethos of extra-territorial dimension as a caution against the threats posed by money laundering crimes. The paper aims to critically examine CDD to tease out the possibility of harnessing it as a global AML paradigm. Design/methodology/approach – The paper was written by critically examining primary and secondary data sources. In terms of primary data, the author has studied the relevant provision of different AML legislation such as BSA (1970), MLCA (1986), and PATRIOT (2001) Act in the USA; and FSMA (2000) and POCA (2002) in the UK. The author then evaluated these data in the context ...

Customer due diligence (CDD) mandate and the propensity of its application as a global AML paradigm

Purpose – The purpose of this paper is to review inadequacies of anti-money laundering (AML) and whistleblowing laws particularly in the UK financial services sector and suggest various reforms initiatives. Design/methodology/approach – The article relies extensively on secondary data analysis including extensive literature review, analysis of applicable cases and evaluation of current whistleblowing and AML laws. Findings – The preponderance of defensive reporting particularly in the financial services sector appears to blunt the effectiveness of AML laws in the UK. Working adults generally are unaware or unfamiliar with whistleblowing laws, whereas the laws themselves are also deficient in some ways even though they have been adopted and adapted in various other jurisdictions because of its perceived comprehensiveness. Preliminary indications from money laundering scandals demonstrate how and why early disclosures of wrongdoings through whistleblowing might have helped to reduce the magnitude of the adv...

Enhancing effectiveness of anti-money laundering laws through whistleblowing

This paper aims to analyze the impact of the introduction of anti-money laundering (AML) regulations on bank stock valuations in the USA. Regulations can have a negative impact on financial returns as a result of increased operational costs, potentially driving down stock valuations and loss of profitability. However, regulations can also have a positive impact on valuations because of greater oversight and increased investor confidence. Findings are useful for assessing the market impact of future regulations.,Event studies and cross-sectional regression analysis are used to determine the impact on bank stock valuations together with specific characteristics of bank size and geographic headquarter location of the bank for identified AML regulations. Hypothesis related to the impact of the introduction of AML regulations are empirically tested based on the statistical significance of cumulative abnormal returns of markets.,AML regulations introduced in 1998 had a positive impact on bank stock valuations, while the USA PATRIOT Act legislation of 2001 had a negative impact. These findings suggest that recent AML regulation is a cost compliance burden for banks, where the costs of operations outweigh the benefits of improved processes. Larger banks see a more negative impact on their bank stock valuations compared to smaller banks, suggesting the market perceives greater cost and less profit for larger banks. Results also show that the location of bank’s headquarters does not significantly impact bank stock valuations.,This paper specifically focuses on the impact of AML regulations on the US banking sector, providing investors, academics and regulators additional insight on the market dynamics of regulations. Identifying whether the introduction of regulations has a significant impact on a bank’s performance will provide both banks and regulators clarity as to the net benefits associated with the current and future AML legislation.

Assessing the introduction of anti-money laundering regulations on bank stock valuation: An empirical analysis

Purpose – The purpose of this paper is to explain the incompatibility of anti‐money laundering (AML) and counter‐terrorist financing (CTF) measures as a hasty over‐reaction after 9/11, focusing on the compliance burdens that this imposes on the regulated sector, most notably financial institutions.Design/methodology/approach – This paper explains the fundamental differences between money laundering and terrorist financing. It follows the evolution of the marriage between AML and CTF measures in the USA and the UK, comparing the pre and post‐9/11 phases. Consequently, the specific legal burdens placed on financial institutions as a result of this marriage are discussed.Findings – The paper, while recognising the importance of targeting terrorist money, contends that inherent differences exist between money laundering and terrorist financing, and fusing them together is a hasty reaction to the 9/11 attacks. It argues that the need of the hour is to focus on terrorist profiling, rather than attempting to tar...

AML‐CTF: a forced marriage post 9/11 and its effect on financial institutions

This article aims to analyse the practical challenges faced by banks while filing ‘Suspicious Activity Reports’ required under the Proceeds of Crime Act 2002. The difficulty is analysed both against the lacunae in the law as well as challenges in its implementation. The recent judgment of Shah v. HSBC has made a considerable attempt to highlight and address these challenges. However, the author believes that although the judgment has clarified the consent regime (which surfaces after a disclosure of suspicion has been made), the concept of ‘suspicion’ in itself is still vague and amorphous, proving to be a negative effect on banks to effectively identify the proceeds of crime. As a result, the fundamental issues regarding over-reporting of suspicion by banks to escape legal consequences still remain.

https://link.springer.com/content/pdf/10.1057%2Fjbr.2012.20.pdf

To suspect or not to suspect: Analysing the pressure on banks to be ‘Policemen’

This paper concentrates on cyber-pornography/obscenity, which encompasses online publications or distribution of sexually explicit material in breach of the English obscenity and indecency laws. After examining the major deficiencies of the attempts to restrict illegal pornographic representations, the authors aim to highlight that the debate regarding their availability in the Internet era neglects the lucrative nature of the circulation of such material, which can be also targeted through anti-money laundering. Rising profits fuel the need to recycle the money back into the legal financial system, with a view to concealing their illegal origin. Anti-money laundering laws require disclosure of any isuspicion¢ related to money laundering, thus opening another door for law enforcement to reach the criminal.

Laundering Sexual Deviance: Targeting Online Pornography through Anti-money Laundering

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AML‐CTF: a forced marriage post 9/11 and its effect on financial institutions

To suspect or not to suspect: Analysing the pressure on banks to be ‘Policemen’

Laundering Sexual Deviance: Targeting Online Pornography through Anti-money Laundering