在以卑谦的姿态向公众坦白了自己的失误之后，瑞银做了大量的变革。

Publicly humbled by a frank report on its failings, the bank has made a raft of changes.

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柯宇谦、刘瑞珑，1999，“网际网路虚拟人力资源开发与招募，” 跨世纪 海峡两岸永续企业经营研讨会论文集，屏东，台湾。

Yu-Chien Ko and Rey-Long Liu, 1999, "Virtual Employee Management through the Internet, " Proc. of APEC Human Resource Management Symposium on SMEs, Taiwan.

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