Danger lies where questionable ethics intersect with company and individual incentives.
The financial world has taken the nation on a roller coaster. Consider the collapse of Lehman Brothers, a venerable investment bank in operation since 1844; the sale of Merrill Lynch to Bank of America; the federal bailout of insurance giant AIG; and the government takeover of two major mortgage loan and loan guarantee companies, Fannie Mae and Freddie Mac.
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