Frankie the Fraud Investigator has been asked to meet with the top management of Walsh Company to discuss Walsh's newly implemented anti-fraud strategy. During the conversation, a member of Walsh's management team asks Frankie to explain the differences between embezzlements, asset misappropriations, and financial statement frauds. A further inquiry was related to who generally commits each type of the mentioned frauds and who generally benefits from each. How would you respond to these specific inquiries?