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This book is a collection of stories by Catherine Laub. She is transparent and open in her writing. You will be inspired and encouraged. You will connect with her heart and her soul. She hopes her writing and sharing her story will help others. She is a powerful writer and is taking you on this journey with her is the amazing book.

Women Innovators was born from the cry of voices rising up to be heard. In the past year, I met so many wonderful, talented, awe-inspiring women. Each had one thing in common: she has a big message, and a big mission. My goal with Women Innovators: Leaders, Makers and Givers is to give you an "appetizer" or a short sweet morsel to savor as you read my personal conversations uncovering the message and mission of each woman as she reveals who she helps, why she does so, and how you the reader can benefit from her awesome expertise. The women featured in Women Innovators are true icons of the meaning of innovator, because each has created, contributed, and continues to make a daily difference in the world. The women you meet peeking in on these conversations are so much more than leaders, makers and givers. They innovate. They DO it! They take action and make things happen in the world! Each woman has a heart so big that it is indescribable. Congratulations to each woman who has contributed their hearts, souls and expertise to this volume of Women Innovators. Enjoy the conversations and do reach out and tell us what the Women Innovators: Leaders, Makers and Givers collection means to you. Tamara "Tami" Patzer, Owner of Blue Ocean Authority, Founder of Women Innovators Publishing

Risk-based capital standards presume a need for common capital standards across countries. The details of forging an agreement were left to the staffs of the primary bank regulators in each country, and compromises were inevitable. Although domestic constituencies' reactions to the proposals were invited, the arduous negotiations that led to the proposals generated intense pressure on the principals not to make changes. The European Community's approach to financial integration seems to be driven by a political desire to achieve an integrated market within Europe, despite significant institutional differences among countries. Underlying that desire is a belief that the market pressures that result from different regulatory systems operating in the same market will produce the right answer. The financial provisions of the U.S.-Canada free-trade agreement take a direction that, in my judgment, is more productive. The provisions are more limited in scope than are those of the European initiative. National treatment and national sovereignty are preserved. However, the delicate issue of national responsibility for failing institutions, and its relationship to monetary policies, is not addressed. A Better Alternative A productive basis for international regulation can be formulated around three principles: 1. free entry for foreign-owned subsidiaries chartered under the laws of the host country; 2. national treatment for those subsidiaries; and 3. national responsibility for (a) monetary policy, (b) prevention of unwarranted financial panics in domestically chartered institutions, whether foreign or domestically owned, and (c) supervision of all domestically chartered institutions, regardless of ownership.