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2008 credit crisis and housing debacle (ethics played)

After the 2008 credit crisis and housing debacle, Goldman Sachs, which played a large role of mortgages that went bust, was not really penalized the way that they should have been. What’s to stop them from doing it again? Focus on the areas in which ethics played a role in this crisis and in your solution of stopping history from repeating itself.Criteria:Paper is to be 5 pages double spacedFocus on ethical ethics that led up to the crisisInclude recommendations to keep this crisis from repeating itself