Read the article by MrDaniel Mminele, Deputy Governor of the South African Reserve Bank, to the South African Chapter of ACI

$2)$ Summarize the reasons of the importance of ethics for a sound financial environment, that the author of this article presents

$3)$ Summarize the corrective measures that the author indicates that has been put in place, and provide you opinion about them $).$

$4)$ Summarize the limitations of what regulations can achieve according to the author, and provide your opinion about them