One reason behind the subprime mortgage crisis, which triggered the current financial turmoil, is short-term greed. Some banks lent money to people who could not afford it in order to cash in on interest and increase their income. Many countries are thinking of introducing tougher regulations to avoid a repeat of such irresponsible behaviour. Both American and British bank rescue plans included limits on bank executives' incentives to ensure they don't take too many risks. Market economy relies on the 'invisible hand'. This phrase was invented by Scottish economist Adam Smith. People tend to earn maximum revenue for themselves, and this helps the community to become richer, he explained. Over the past 20 years, non-governmental organisations in particular have tried to make companies and consumers less selfish. The fair trade movement, for example, aims at helping producers of developing countries sell their goods at a reasonable price and earn a higher income. To improve their image, big corporations are also trying to be more socially responsible. They try to reduce pollution, invest in some developing countries or help poorer communities. Ethics courses have also been included in corporate training programmes and business schools.