Have you ever wanted to challenge the bankers and the so-called expert financiers and those who played around with toxic mortgages, and the economic advisers, with that very question, "What is this you have done?" We are presently and currently experiencing the consequences of ethical and moral irresponsibility and no one appears to want to admit it and repent and turn from the corrupt greedy ways and methods. Not only are we free to make certain choices but we are accountable for the choices which we make. Why do so many bankers and financiers appear so anonymous? Throughout the United Kingdom and across the United States of America, there are many crucial issues arising all because money has been handled inappropriately and irresponsibly. "Why have you done this, and what is this you have done?" These are questions which I would wish to put to many people who have landed societies in this current economic mess. What we believe affects our behaviour more than we realise and our doctrines determine our deeds for good or for ill!