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Philosophically , the mixed systems embody a form of democratic experimentalism that acknowledges the facts of complexity , diversity , and difference , and doubts whether any one person , group , party , or organization can ever be trusted to make superior choices on matters of concern to citizens . Further , these techniques that the traditional depository institutions have needed to employ to operate outside of the geographic boundaries established by the banking regulators have not even been necessary for the mortgage bankers , consumer finance companies , and securities firms . Copyright does reward authors somewhat , and publishers more , but that is intended as a means of modifying their behavior . JICA initiatives in response to this situation include public information activities to foster awareness of the importance of education among parents and communities , and projects to build schools with the participation of local communities . A questionnaire asking how well expectations matched experiences in several social and academic aspects , and perceptions of experiences was completed by first semester freshmen .