and economic changes. There is no single underlying and overwhelming cause but a whole barrage of smaller causes. Multiculturalism -- a profusion of beliefs -- tempered with moral relativism has been a major contributing factor, causing a clash of values. A second major factor in moral decline has been the decline of the family. The consequences of this -- in terms of poverty, educational underachievement, and anti-social behaviour -- are well known. A third major factor is the decline of individual responsibility, due to the growth of the rights-based culture and the inexorable growth of the state into every aspect of our life. Technology too has done its part in promoting individualism, eroding conversation and shared experiences.