I have four questions: 1. How widespread and flagrant is this kind of misconduct? Are BoA the black sheep, or just the worst of a bad bunch? 2. Hindsight is

I have four questions: 1. How widespread and flagrant is this kind of misconduct? Are BoA the black sheep, or just the worst of a bad bunch? 2. Hindsight is a wonderful thing but, at the time, was it reasonable for BoA to expect that they could get away with it? 3. Who knew what was going on? Who SHOULD have known? 4. What kind of pressures was BoA facing at the time when they started this policy? For instance, were they taking legal risks because the only alternative was financial collapse? Can anyone shed some light?