Two consortia of leading North American and European apparel retailers, the Alliance for Bangladesh Worker Safety and the Accord on Fire and Building Safety in Bangladesh, have pledged to provide $100 million in low-cost loans to Bangladeshi factory owners to improve safety standards and

$42 million to fund factory safety inspections and worker safety training. Do you think these Western retailers have an obligation to provide this funding, or does the responsibility for ensuring safe working conditions lie with the factory owners from whom they buy the apparel?