byLowers & Associates | April 22, 2014

What do NSA and Target Corporation have in common? They both have enormous databases of sensitive information about individuals that have been penetrated by the likes of Snowden, Wikileaks, and worse criminal conspiracies. According to James D. Ratley, President…

byLowers & Associates | March 26, 2014

The short answer is that it is much too easy if basic controls are missing. Cincinnati.com summarizes the missing controls in the case of Covington, Kentucky’s former Finance Director Bob Due in the lead paragraph of the story: The…

byLowers & Associates | February 25, 2014

The phrase “Due diligence” sounds complicated but in reality, it is simply the process of doing your homework before you make a major commitment, either on a business or personal level.  Due diligence can be as simple as just…