(HarperCollins) What does the delivery of safe milk have in common with financial reform? According to Bernasek, both need systems to ensure trust and integrity—which are necessary for an economy to run efficiently. And good behavior—“doing the right thing”—leads to good business, argues the author. By examining various industries, she reveals the layers of trust involved in even the simplest transactions and why integrity broke down in the financial crisis of 2008. Bernasek is a financial journalist.