Read 2.2 The Financial Crisis in Gitman and Zutter. Discuss the root causes of the crisis and damages that it caused to society as a whole. In hindsight explain the specific lessons that can be learned for the government for the banks and other lenders as well as for the individual borrower. What ethical issues did the banks and lenders face? What if any responsibility did the individual have? Find at least one fact-based article about the crisis to support your answers; be sure to cite the article/s in your response. Cite your sources properly in APA format (both in-text and reference entries).