Would you describe the financial meltdown in our 2007-2008 financial markets as a failure of "people" or of our "capital market processes"? Why?

As our businesses have developed over the last 100 plus years, have our modern day businesses evolved to be more ethical today? What are some of the factors?

Why diversity and discrimination are two important ethical factors that leaders should focus on while attempting to manage their workforce? Provide one example of how mismanaging these issues have had an impact on an organization. How would you explain the importance of these toemployees?