The harm done by Madoff touched individuals who lost lifelong and retirement savings, charitable foundations that had invested monies with his firm, and the employees of his firm and others that went out of business as a result of the fraud. You could also argue that society at large paid a price when faith in the nation’s business system was damaged by the scandal. Worse yet, Madoff is not alone. All too often we learn about more scandals affecting banks and other financial institutions, as well as businesses and organizations of many other types. How would you recover if an employer bankruptcy or major business fraud affected you?