#compiled financial statements

[rakeshraseo321]

Tax Agent Singapore

Leading tax agent Singapore, ZE Global provides full completing services to make your tax filing. ZE Global, licensed to manage e-filing, makes things easier for companies and guarantees accurate and on-time filings. They help with IRAS e-Services, from initial setup to final submission, according to the most recent requirements. The knowledgeable staff at ZE Global manages the application procedure, ensuring that clients conform to all legal requirements. ZE Global is the company to trust for a smooth tax experience; use their knowledge to maximize your taxes-related issues in Singapore.

[rakeshraseo123]

Compiled Financial Statements

In today’s era of managing business statements, we at ZE Global understand the importance of having the best Unaudited financial statements in Singapore. Businesses must prepare financial statements as part of their accounting and financial reports to know how their finances are performing and make informed decisions. Unaudited Financial Statements and compiled financial statements are standard terms for this process. This guide uses data from ZE Global to explore the importance of these concepts.

[sngprccntng]

10 Ways To Keep Your Accounting Services Growing Without Burning The Midnight Oil

“Never try to let your business get ahead of the financial side of your business. Know your numbers and surround yourself with Assets not liabilities.”

There’s no harm to say, the financial tone of your business relies on how to fit and sound you can maintain all your accounting books and dealings. Though the Singapore accounting services make sure that every financial operation of your organization is correctly recorded on a timely basis, the core bookkeeping services come into maneuver when the data will be interpreted, analyzed, and properly classified.    

On one hand, these tasks quite seem easy and simple to carry out in-house, while on the other side, making the grade on bookkeeping & accounting are considered to be the most vital pillars for any kind of business. Henceforth, an experienced and competent professional hand is always in need to dig up a fruitful aftermath for a long period of time.  

Any scale of business, be it a small, medium, or large type of enterprise, it is common that executing these chores tasks certainly confronts difficulties because of obedience regulations as well as missing some kind of facts and information. Additionally, in a bid to dampen the amount of money, accounting service providers in Singapore end up spending extra by minimizing the mistakes that are done in bookkeeping and accounting. 

What’s more, you don’t need to put much drain on your mind as all parts will be carried out up to the mark. For in-depth insight, keep an eagle eye on the highlighted below and gain a perfect understanding:

How to keep your accounting services growing without burning the midnight oil 

GO THROUGH A SIMPLE ACCOUNTING PROCESS

At first, it is prime standing that an accounting firm must go through a coherent, precise, and detailed process of bookkeeping services. More and more, there are three kinds of specific steps that come under the accounts process, namely checklist, processing, and reporting what's relevant for groundbreaking aftermaths.   

SUCCESSFUL BOOKKEEPING CASE STUDY 

Of course, your accounting situation will be settled down if you gain an open-handed vision for thriving and flourishing record studies for the past years. In general, you need to access a swift, effective, and verified organization that brings procreative results thereafter. 

OFFERING TIMELY RESPONSES, COMMUNICATING WELL

Your bookkeeping services would be growing if you got timely and active one-to-one responses. More prominently, accounting professionals must converse well to setting up automatic rejoinders and building strong comprehensible trust.  

HAVING A STRONG SENSE OF ACCOUNTS ETHICS

One of the most esteemed features of XBRL Singapore is to pervade with integrity and good accounting ethics. Further, the enterprise must make out the right from the wrong interpretation and always exhibit veracity right in the activities allied with bookkeeping and accounting.     

KEENLY EMPHASIZE ON EFFICIENCY & ACCURACY

Other, key facet is to show precision and accuracy in the work of an accountant. Malposition of digits or in fact, a single comma could result in gigantic financial perils for any association. Hence, connecting with top-notch accounting firms will develop the strategy of double checking by focusing on the nitty-gritty things to generate exactness toward particular work.     

COHERENT ORGANIZATIONAL SKILLS 

There’s not a big fact an accounting firm has to deal with a plethora of paperwork, data, and numbers on a regular basis. In order to remain on top of accessing the right information and key details, it is fair and good to implement the cutting-edge strategy by the organization in an efficient manner. 

LEVERAGE TECHNOLOGY UP-TO-THE-MINUTE 

Well, we are aware of the notion that technology is booming, keeping in view the current and former areas of accounting concepts. Henceforth, if you’re on the verge of keeping growing with agile accounting tactics, you must upgrade yourself with commendable software that's up to the spot.    

BEING PROACTIVE WHILE PROVIDING AGILE SERVICES 

As and when you pick out the best-in-class accounting services, it has to be delivered vigorously, dynamically, and uprightly by the selected accounting organization. There should not be any hidden charges or superfluous fees while taking up requisite account services.

CONSISTENCY & TRUSTWORTHINESS 

Another important factor is to suffuse with the quality of eternal uniformity and lucid fidelity in the arena of accounting which further indicates that the accounting firm must secure all your data confidential and up to the secured showground.

EXEMPLARY KNOWLEDGE OF THE FIELD 

Accounting is actually an indispensable facet that deals with an array of industries and core areas. Henceforth, it is commendable to have a strong grasp of the basic bookkeeping theories. Understanding the core requirements, objectives and the way the business is being run is imperative to determine the correct path to progress with accounting tactics.  

[jonesadvisory]

Cloud Accounting, Jones Advisory LLC, Bel Air, MD

It’s the evolution of business accounting services, and Jones Advisory is at the forefront. We’ve coupled our sharp financial skills with cloud-based accounting for a solution that redefines how accounting gets done. Using a 27-point check-up feature, you’ll experience on-line accounting that is accessible anytime, anywhere.

How can you benefit from Cloud Accounting?

Whether you want continuous, easy access to your data 24/7 or you want to go paperless, Cloud Accounting’s advantages are different for every client. Because Jones Advisory is a partner in your business success, we can recommend the best use of Cloud Accounting for your business and guide you through the entire process. You’ll see:

Reduced facility requirements

Reduced number of employees

Minimal equipment and IT costs

Paperless record storage

Paperless payroll

Reduced expenses

Faster identification of problems

Increased Profitability

https://lh6.googleusercontent.com/ZfzDinUdk4wzmP9Uw7TkzqiT_uIKH-xKyxlBTAGhqGTHg6TUIQObHLPfDYp6i8BygeNvfTpSw5XDXUPiWgzucDxrHPEF6MKbZCXTt8O9pW1LWvDDqx7x1goiCOlUbEZFAA=w1280

[nspccalgary]

Review Engagement Calgary

NSPC Certified Public Accountants offers professional review engagement services in Calgary, Alberta. Our team of experienced CPAs provides comprehensive review services to businesses of all sizes, including review engagements of financial statements, management discussion and analysis, and other financial reports. We understand the importance of timely and accurate reviews for businesses, and we are committed to helping our clients meet their reporting requirements while providing stakeholders with reliable financial information. Our commitment to accuracy, attention to detail, and personalized service sets us apart, and we are dedicated to providing high

[ceaseless-bitcher]

Hamilton-style musical of rendition of Robert Smirke’s crew and the fallout between himself, Jonah Magnus, and the rest of them.

Ambitious Scottish upstart Jonah Magnus, plunging into the scene of higher society and academia

Interpersonal drama in the esoteric research and philosophy sphere

A power ballad aria from Smirke as he describes his grand, utopian plans for balance

Jonah seeing the wonders of this new world and getting increasingly involved in it, probably getting in some heated theoretical debates with Rayner et al. about it because, being Beholding- and Dark-aligned, their fundamental views would be diametrically opposed

A slowly-shifting musical motif for Jonah as his intentions develop over the course of the play

Barnabas pleading with Jonah through his letter; they’re in separate parts of the stage with different lightings and they can’t see each other. Jonah is reading, rather than listening to, his words

SPOTLIGHTS REMINISCENT OF EYES

Harrowing solo as Jonah sinks deeper into fearing the possibility of rituals

More below the cut because I’m going nuts about this.

I would feel like there’s too much ground to cover (c. 1809 [estimated year Jonah gets introduced to the Fears if he established the Institute in 1818 and talked Smirke into working on Millbank 1815-1821] all the way to 1867 [year of Smirke’s death and the final decommissioning of Millbank: the year in which I place Jonah’s first attempt at the Watcher’s Crown]) if it weren’t for the several decades covered in Hamilton. It provides a pretty good guide for such a varied timeline.

More insane scenes:

Contrast of Albrecht Von Closen’s 1816 letter informing Jonah of his findings at his nephew’s estate vs Dr. Johnathan Fanshawe’s 1831 letter revealing how Jonah knowingly caused Von Closen’s death by stealing his books and got him filled with eyes

Smirke watching the group he formed fall to the Fears in turn, clinging to his alliance with Jonah and therefore being blind to his own turn towards Beholding

Jonah’s financial wheedling with Mordechai Lukas and other donors for his fledgling Institute

Jonah being so gleeful about his brand new Magnus Institute in Edinburgh, after several years of compiling statements informally

HE GETS TO DELIGHT IN ALL THE SCHEDULING AND LOGISTICS!!!

Just. all the letters we have record of. I haven’t even gotten to Dr. Algernon Moss or the conflict between George Gilbert Scott and Sampson Kempthorne

PETTY architecture drama

[mariacallous]

Republican Congressman Jim Banks sent letters in recent days to a number of high-profile figures in the U.S. far-right, saying that they had been added to a Ukrainian NGO's list of individuals and groups responsible "in the U.S. impeding aid to Ukraine."

The congressman alleged that Texty, the Ukrainian NGO in question, previously worked with the U.S. State Department and the U.S. Agency for International Development (USAID).

Texty released a statement on June 13 that its team was facing "unprecedented pressure, manipulation, slander, demands to strip us of donor funding, and threats of physical violence."

Banks, who is running for Senate in Indiana, had said on June 11 that "other Ukrainian NGOs have published similar lists, which have published the personal information of those named in apparent attempts to intimidate them."

Banks added that he sent an accompanying letter to key congressional committee members, urging them to stop "partnering with any actors overseas who encourage the harassment of Americans."

Banks also posted on his personal X account that he was put on an "enemies list" that was "compiled by the Ukrainian government.

What's really behind the governmental funding allegations?

Inna Gadzynska, a journalist at Texty and one of the authors of the report, told the Kyiv Independent that the outlet has no connection to either the Ukrainian or U.S. governments, does not consider its report to be a "hit list," and did not publish any personal information.

Gadzynska added that Texty did not receive any government funding for the project.

The following day, Banks wrote that Congressional Republicans had moved to "defund" the "Ukrainian NGO that created a 'watch list' that consisted of conservative lawmakers and private American citizens."

The Kyiv Independent reached out to Banks' press office for comment several times, but received no response.  

Elon Musk then commented below the post, saying that the NGO should be "added to the list of sanctioned terrorist organizations."

Rogan O'Handley, a prominent "MAGA influencer" active on X with the handle "DC_Draino," shared the letter he had received from Banks, claiming that "(President Volodymyr) Zelensky has added (him) to his 'enemies' list."

O'Handley then added that a "Ukrainian NGO 'funded with our tax dollars' has labeled me an enemy of their state."

Texty's report has been widely shared on social media, with false claims about the organization, the list's contents, and its connections to the Ukrainian and U.S. governments growing with every retweet.

Far-right conspiracy theorist and Congresswoman Marjorie Taylor Greene wrote that Zelensky's "thug regime has deemed me an enemy of the state" and put "elected members of Congress like me on their state KILL list."

What exactly is Texty's report?

Texty's report, labeled "Roller Coaster: From Trumpists to Communists. The forces in the U.S. impeding aid to Ukraine and how they do it," was released on June 6.

The report contains an in-depth exploration of 388 individuals and 76 organizations involved in the "ecosystem of mutual support" of opponents of aid for Ukraine.

Texty's website states it is a media outlet founded by Anatoliy Bondarenko and Roman Kulchynsky in 2010 and has won several journalism awards, including the European Press Prize in 2024. Texty says its research is "funded exclusively" by its readers.

The claims about the alleged financial support by the U.S. State Department appear to stem from the fact that Bondarenko previously was a volunteer trainer at the TechForum Ukraine almost ten years ago.  

The forum was a program from TechCamps, a "public diplomacy program hosted in the Bureau of Educational and Cultural Affairs (ECA) at the U.S. State Department."

The program "brought together more than 60 local journalists, civil society, community leaders, and private sector partners in Eastern Europe with local and international technology experts."

"The two-day workshop helped increase digital and media literacy and gave participants the tools to communicate effectively in the 21st century."

Besides the single two-day workshop conducted almost 10 years ago, there is no other evidence to support the claim that the U.S. State Department or any other government entity has supported Texty, financially or otherwise.

In a statement on X on June 9, Texty said that it had "faced an unprecedented wave of hate" after the report was published.

"Claims that the list of U.S. opponents of aid to Ukraine is a 'kill list,' persecution, or doxxing, or that the Texty editorial team is trained or funded by the U.S. government is an outright lie."

Texty reiterated that "Bondarenko was a trainer who taught activists at one of the TechCamps" but said that it was just one of many training sessions it had conducted.

Gadzynska told the Kyiv Independent that Bondarenko was not paid for his work as a trainer. Bondarenko did receive a grant from the U.S. Embassy in 2020 to help "counter disinformation about Coronavirus," she added.

Texty also previously received USAID grants via other organizations, but Gadzynska emphasized that the report in question was not funded by any institutional donor.

In any case, Bondarenko had "no relation" to the report and did not contribute to it, Gadzynska said.

The aim of the report was not to "harass" or "intimidate" the individuals and groups named but rather to "openly and objectively examine issues that are key to our country's survival, such as who the U.S. opponents of aid to Ukraine are and why they oppose it," Texty said.

Gadzynska emphasized that the report did not call the listed individuals and groups "enemies."

Texty "operate(s) as an NGO and never takes money from the Ukrainian government," she said, adding that the outlet has criticized Zelensky "before and after the presidential election in 2019."

Gadzynska also shared with the Kyiv Independent some of the vitriolic and threatening messages that Texty received after the report was published, which insulted Ukraine and claimed that the report was an act of "declaring war" on the U.S.

Which other figures are mentioned by Texty?

As the title suggests, the report is not limited to the far-right politicians and commentators who are often the face of American opposition to Ukraine.

It also includes a number of prominent individuals and organizations from the left, such as the Quincy Institute for Responsible Statecraft (QI) and the "anti-war" organization CodePink, mostly known for its opposition to Israel.

Anatol Lieven, a U.K. journalist and director of QI's Eurasia Program, told the American Conservative media outlet that "it is completely inappropriate that a foreign institution that participates (in) training funded by U.S. taxpayers' money should use that money to try to limit public debate in the U.S. on a matter of vital U.S. interest."

Lieven has written about the need for a ceasefire in Ukraine and says that the war is "Russia's fault," but also regularly references Russian talking points, such as the unfounded assertion that "most Crimeans still appear to want to be part of Russia."

To support his claim, Lieven cited a survey by the independent Russian polling firm the Levada Center conducted in 2019 when Crimea was already under Russian occupation.

Previous polls conducted before the illegal annexation, such as one by the International Republican Institute in May 2013, found that only 23% of respondents wanted to be part of Russia, compared to 67% who wanted some form of autonomy within Ukraine.

In a co-written article with George Beebe published by QI in January 2024, Lieven wrote that the U.S. "will have to offer some serious incentives" to Putin to end the war.

"If we want a prosperous Ukraine with a viable path toward liberal governance and European Union membership, we will have to concede that it cannot be a NATO or U.S. ally, and that this neutral Ukraine must have verifiable limits on the types and quantities of weapons it may hold."

Lieven's comments were indicative of the wide range of narratives harmful to Ukraine that come from across the political spectrum.

CodePink, an ostensible left-wing "pro-peace" organization, also mentioned Texty's report, reiterating claims that Bondarenko "trains foreign journalists and media companies in the State Department's TechCamp."

While regularly calling for an end to the conflict, CodePink also says that "expansion of NATO and the aggressive approach of Western nations have helped cause the crisis, and we demand an end to NATO expansion." CodePink is also opposed to sanctions that "harm ordinary Russians."

Medea Benjamin, one of the co-founders of CodePink, has also repeated Russian propaganda talking points. In a November 2022 interview with Chris Hedges, a political commentator who has a show on the Russian state-owned media outlet RT, Benjamin falsely claimed that Crimea is a part of Russia and that Russian speakers are being discriminated against in Ukraine.

CodePink takes a "leftist position," Texty said, but "uses every Russian propaganda thesis to support its beliefs."

Tucker Carlson's allegations of Ukraine's 'hit list'

It is not the first time that far-right figures in the U.S. have falsely claimed that the Ukrainian government has created a public "hit list" of opponents of Ukraine.

After far-right political commentator Tucker Carlson interviewed Russian President Vladimir Putin in February 2024, a widely distributed post on X claimed that Carlson had been placed on a "kill list" by the Ukrainian government.

Carlson traveled to Moscow to record the two-hour and seven-minute interview, during which he seldomly interrupts Putin as he echoes Russian propaganda and shares false narratives on a wide variety of topics, including his justification for Russia's full-scale invasion of Ukraine.

In fact, Carlson had been added to a list compiled by the Ukrainian NGO Myrotvorets, which studies threats to Ukraine's national security, and has been in the Myrotvorets database since 2023.

[thefootnotes]

letters from my bedroom floor

a poetry compilation by @fandomestloser

this poetry compilation is filled with various works i created over the span of several months so far, and i'm certain it will continue for many more months. the title is inspired by "emails i can't send" (an album and song by sabrina carpenter), and i think it really resonates with the messages i've portrayed in these poems; a lot of these works were created in times of emotional, financial, or interpersonal hardship, and they're works that are very important to me. do not repost any of my poetry anywhere without credit. moodboard is by me; all images belong to their original owners or creators - they were sourced on pinterest, dm for credit or removal.

poem masterlist under the cut.

💌chapter one: "many names of a teenager" a social comment on the expectations and misconceptions surrounding teenagers in the modern age. no warnings.

💌chapter two: "the things they don't tell you" what is essentially just a (poorly written) statement on the idiocy of the concept of "common sense' in a world with so many differences. no warnings.

💌chapter three: "i am not myself" a series of couplets about the challenges of presenting as somebody that you don't identify with, in a body or life that feels foreign to you. no warnings.

💌chapter four: "i want to be" the need to be truly loved. no warnings.

💌chapter five: "he is everything" a freeverse on the relationship between musicians and their fans, written specifically about louis tomlinson but pretty much applicable to any major artist. no warnings.

💌chapter six: "simpler me" a freeverse on the idea of pretending to be someone you're not, specifically revolving around gender, because it's going to be societally easier than the alternative. no warnings.

💌chapter seven: "what if?" a freeverse of self-reflection following the end of a toxic relationship (not inherently romantic). no warnings.

💌chapter eight: "star in your sky" a freeverse of the idea of, essentially, not caring what you are to them, so long as you get to be something. the idea of loving someone so desperately and so overwhelmingly that you don't even care if it's barely reciprocated, just as long as they recognise your existence. no warnings.

💌chapter nine: "torn" the idea of not knowing whether you are helping or harming; if it's worth you staying to love them, or if you are doing more harm than good. no warnings.

💌chapter ten: "numbers" a poem on the things that can be counted in the relationship, and in its ending; and the things that can't be numbered. no warnings.

[chaoskirin]

AI Art is *NOT* Derivative By Law. Here’s Why.

A lot of people are making the argument that AI art is derivative, but they don’t actually understand copyright law. I think they might read what might constitute a derivative work, but don’t also check the exceptions and the relevant case law to determine what is not able to be taken or copyrighted.

FIRST:  The copyright for derivative work ONLY covers the new elements of the work. AI work has NO new elements, therefore, it cannot be derivative. 

This is actually specifically so copyright holders cannot extend their copyright to prevent work from falling into public domain, but it also protects copyright holders from having their own works copyrighted by someone else. 

SECOND: The copyright holder of the original work MUST AUTHORIZE ITS USE IN A COMPILATION.

Even if the work falls under all other definitions of “derivative,” if you are using someone’s work in a compilation (and yes, THIS INCLUDES COLLAGES DONE FOR PROFIT!) you must acquire the original creator’s permission. If you don’t, you cannot copyright the work and you may be subject to prosecution.

THIRD: I think this should go without saying, but apparently it doesn’t: AI-generated works cannot be considered parody, as they are not a commentary on the original works. They claim to be all new works. 

---

Most copyright holders do not pursue the prosecution of derivative works even if copyright is technically violated, because they do not experience financial loss by their use. This includes fanworks (like fanart and fanfiction) because the original copyright holder generally cannot prove damages. And even if they could, they would most likely suffer more damages were they to prosecute their fans.

But copyright does not REQUIRE prosecution to maintain hold of the copyright. For example, while Blizzard is very positive about people using their intellectual property in fanart, they are allowed to decide at any time to disallow this or even prosecute people who create fanart. This is unlikely, because they use fanart as free advertising, and prosecuting would also disillusion fans and discourage use of Blizzard products.

The problem with AI art is that while it is sometimes composed in such a way as to make it difficult to tell whether any individual work has been used, the following statements are true: 

1. The original artists are not credited

2. The original artists are not compensated

3. The prevalence of AI art compilations using the art of other people has resulted in job losses for artists in general.

Because copyright holders can easily prove loss in this situation, it absolutely is something that can be litigated in court.

[prettycottonmouthlamia]

I feel like it should be said that while the Plagiarism and You(tube) video isn't drama content, it is a drama video. hbomberguy literally admits to that. It's a callout post in the form of a video about another person on the platform. That's a drama video at the end of the day. There's a reason he talks about how he doesn't want to financially benefit from this, to suddenly know what it's like to have financial incentive to continue to make this content.

This should be a bit obvious to people watching the video but hbomberguy's opinion of drama Youtube in general is a bit low? I want to take that and extend it a bit further to form another thesis statement.

Drama Youtubers are not journalists, and inherently they cannot be relied upon to be trustworthy.

I want to at least start here with the group I'm more familiar with, which is speedrun drama Youtubers, aka if you keep putting Karl Jobst in front of my face I will very unpolitely ask you to stop. The big ones here that people tend to know about are Apollo Legend and Karl Jobst.

Apollo Legend for a very long time was persona non-grata in the community. Speedrunners broadly hated him, at least in part because he was the type of true bottom feeder that would make SPEEDRUN FAIL COMPILATIONS and then just steal clips from various speedruns to make it. But he eventually moved onto the kind of stuff you see more of from that ilk: the SPEEDRUN CHEATED!? videos and the videos complaining about GDQ being too woke to the videos defending neo-nazi RWhiteGoose.

*drops a gun onto the ground nonchalantly hastily engraved with CHEKOV on it*

But the drama videos were a big part of that. Cheating is just a really, really small part of what being a speedrunner involves even running into. There's not a strong incentive to actually cheat, because you have to cheat for a long time to get the kind of attention and prestige people think comes from speedrunning. It's ultimately still a pretty niche hobby, and even the idea of "having the world record" is ultimately not that important. Otherwise I'll have to make a callout post towards speedrunner and generally good person Punchy for ruining my OMORI speedrunning career by taking my world record only eight hours after I posted it.

Cheating just isn't THAT important. Most of the cheaters are really obvious, but they're also very rare. A lot of the problems you'll see in runs are genuine mistakes. They're missed rules or software difficulties.

Jobst is, well, he was good friends with known neo-nazi RWhiteGoose, believed that he should be able to say the N-word, lied about the N-word having no cultural importance in Australia, did pick-up artistry, and was actively a part in Goose's special little nazi server.

He is, at best, the kind of person who is okay being friends with Neo-Nazis and says shit like this

(note: this is at least four years old, for transparency)

These kind of people become natural fits for being drama youtubers, because the bar for what is acceptable in that sphere is insanely low. It's an industry where there is a financial incentive to bully, to lie, and to ruin people's lives. These people aren't journalists, they are content creators delivering you stories that will get them the most clicks and views regardless of how accurate they are.

An unfortunate truth to Youtube is that the financial incentives do not primarily benefit the people who go at it completely authentically, and when someone exists to make content as a product to sell to you, you need to be highly suspicious of them.

[infinitysisters]

“Moral grandiosity seems to have infected the nomenklatura class of giant corporations. It is not enough for them to ensure that the corporations make a decent profit within the framework of the law; they must claim to also be morally improving, if not actually saving, the world.

So it was with Alison Rose, the first female chief executive of the National Westminster Bank, a large British bank 39 percent owned by the British government. When first appointed to the position, she said that she would put combatting climate change at the centre of the bank’s policies and activities. Whether shareholders were delighted to hear this is unknown.

But the bank, under her direction, went further. Its subsidiary, Coutts, founded in 1692 and long banker to the rich, compiled a Stasi-like dossier on one of its customers, Nigel Farage, before “exiting” him from the bank, to use the elegant term employed by Ms. Rose. (Defenestration will come later, perhaps.)

Farage is, of course, a prominent right-wing political figure in Britain, as much detested as he is admired. There was no allegation in the dossier that he had done anything illegal; indeed, in person, he had always acted correctly and courteously toward staff. What was alleged was that his “values” did not accord with those of the bank, which were self-proclaimed as “inclusive” (though not of people with less than $3.5 million to deposit or borrow). Farage was depicted as a xenophobe and racist, mainly because he was in favour of Brexit and against unlimited immigration. That anyone could support Brexit for any reason other than xenophobia, or oppose unlimited immigration other than because he was a racist, was inconceivable to the diverse, inclusive thinkers of Coutts Bank.

Ms. Rose saw fit to leak details to the BBC about Farage’s banking affairs, claiming to believe that they were public knowledge already. She did not mention the 40-page dossier that her staff had put together, about Farage’s publicly-stated views. The Stasi would have been proud of the bank’s work, which comprehensively proved him to have anti-woke views.

Whatever else might be said about Mr. Farage, no one would describe him as a pushover, the kind of person who would take mistreatment lying down. Even the Guardian newspaper, which cannot be suspected of partiality for him, suggested that the bank and its chief executive had questions to answer.

It was not long before Ms. Rose had to beat a retreat. She issued a statement in which she said:

I have apologised to Mr. Farage for the deeply inappropriate language contained in [the dossier].

The board of the bank said that “after careful reflection [it] has concluded that it retains full confidence in Ms. Rose as CEO of the bank.”

The following day, Rose resigned, admitting to “a serious error of judgment.”

𝐓𝐡𝐞 𝐯𝐚𝐥𝐮𝐞 𝐨𝐟 𝐭𝐡𝐞 𝐛𝐚𝐧𝐤 𝐟𝐞𝐥𝐥 𝐛𝐲 𝐦𝐨𝐫𝐞 𝐭𝐡𝐚𝐧 $𝟏 𝐛𝐢𝐥𝐥𝐢𝐨𝐧.

The weasel words of Ms. Rose and the bank board are worth examination. They deflected, and I suspect were intended to deflect, the main criticism directed at Ms. Rose and the bank: namely, that the bank had been involved in a scandalous and sinister surveillance of Mr. Farage’s political views and attempted to use them as a reason to deny him banking services, all in the name of their own political views, which they assumed to be beyond criticism or even discussion. The humble role of keeping his money, lending him money, or perhaps giving him financial advice, was not enough for them: they saw themselves as the guardians of correct political policy.

It was not that the words used to describe Mr. Farage were “inappropriate,” or even that they were libelous. It is that the bank saw fit to investigate and describe him at all, at least in the absence of any suspicion of fraud, money laundering, and so forth. “The error of judgment” to which Ms. Rose referred was not that she spoke to the BBC about his banking affairs (it is not easy to believe that she did so without malice, incidentally), but that she compiled a dossier on Farage in the first place—and then “error of judgment” is hardly a sufficient term on what was a blatant and even wicked attempt at instituting a form of totalitarianism.

This raises the question of whether one can be wicked without intending to be so, for it is quite clear that Ms. Rose had no real understanding, even after her resignation, of the sheer dangerousness and depravity of what the bank, under her direction, had done.

As for the board’s somewhat convoluted declaration that “after careful consideration, it concluded that it retains full confidence,” etc., it suggests that it was involved in an exercise of psychoanalytical self-examination rather than of an objective state of affairs: absurd, in the light of Ms. Rose’s resignation within twenty-four hours. The board, no more than Ms. Rose herself, understood what the essence of the problem was. For them, if there had been no publicity, there would have been no problem: so when Mr. Farage called for the dismissal of the board en masse, I sympathised with his view.

There is, of course, the question of the competence of the bank’s management. Last year, the bank’s profits rose by 50 percent (I wish my income had risen by as much). I am not competent to comment on the solidity of this achievement: excellent profits one year followed by complete collapse the next seem not to be unknown in the banking world. But the rising profits under Ms. Rose for the four years of her direction seem to point to, at least on some level, of competence. How many equally competent persons there are who could replace her, I do not know.

Still, 𝐭𝐡𝐞 𝐭𝐞𝐧𝐝𝐞𝐧𝐜𝐲 𝐭𝐨 𝐦𝐨𝐫𝐚𝐥 𝐠𝐫𝐚𝐧𝐝𝐢𝐨𝐬𝐢𝐭𝐲 𝐜𝐨𝐦𝐛𝐢𝐧𝐞𝐝 𝐰𝐢𝐭𝐡 𝐚 𝐥𝐚𝐜𝐤 𝐨𝐟 𝐞𝐥𝐞𝐦𝐞𝐧𝐭𝐚𝐫𝐲 𝐬𝐜𝐫𝐮𝐩𝐥𝐞𝐬, as illustrated in this episode, is worrying. Would one trust such people if the political wind changed direction? Their views would change, but the iron moral certainty and self-belief would remain the same, like the grin of the Cheshire Cat. How many meetings have I sat through in which some apparatchik has claimed to be passionately committed to a policy, only to be just as passionately committed to the precise opposite when his own masters demand a change of direction?! The Coutts story is one of how totalitarianism can flourish.”

—

Theodore Dalrymple

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