Why organizations are more like tyrannies than democracies, and how they could benefit from adopting a more democratic approach.

Large companies have been watching their spending since long before the credit crunch. The only difference is that now they need to protect their profits even more, strive even harder to maximise them, and do even more to keep the shareholders happy. Written prior to the credit crunch, but unpublished until now, this article examines common practices in the world of insurance.