What are the main lessons you can derived from Article Edward J. Schoen, The 2007-2009 Financial Crises: An Erosion of Ethics in light of managing risks of financial institutions?

Ethical dilemmas are situations in which there is a difficult choice to be made between two or more options, neither of which resolves the situation in a manner that is consistent with accepted ethical guidelines. It is conflict between alternatives, where no matter what a person does, some ethical principle will be compromised. When faced with an ethical dilemma, a person is faced with having to select an option that does not align with an established code of ethics or societal norms, such as codes of law and religious teachings, or with their internal moral perceptions of right and wrong. From Article Edward J. Schoen, The 2007-2009 Financial Crises: An Erosion of Ethics , develop an ethical dilemma example based on any one of the financial service business of your choice.

Based on Article Islamic conception of psychological nature of man; development and validation of scale with special reference to Al-Ghazali's model, explain the tensions between reason (aql) and satan (shayatin) that can drive you either towards doing the right or the wrong actions.