There was a time when a person's word was enough. You could sell the farm  on a handshake without worrying about whether the other side would follow through. But those were simpler times. These days, to get what was promised, you'd better have it in writing. After this unethical climate occasioned the financial meltdown in 2008, 40-year Wall Street veteran James Owen knew something had to change. Society had gotten too far away from the days when…