 But in his opinion “covered companies should be allowed a measure of flexibility in determining how such an organization should be structured”.According to Thomas Stanton, author of „Why Some Firms Thrive and Others Fail“, one of the differences between a company that was successful and another one that was not successful during the financial crisis, was their „application of a constructive dialogue“.On the one hand there were the employees who were responsible for making money by selling products and financial services and on the other hand there were the ones responsible for limiting risks.