it's a discussion need it in 3 hours from now.

Please read the article on Moral or Cognitive Failure that is posted under the Contents tab and respond to the following.  What were the major factors that led to the financial crisis?  Who is responsible - greedy CEO's, Congress, credit rating agencies, Fannie Mae and Freddie Mac, individual borrowers, etc.?  To what degree do you believe the financial crisis was brought on by greed versus mistakes of well-intentioned individuals?  This discussion topic will close at the end of the day