Critical AnalysisThis is a well researched peer review article that has case study solution abilities to carry entirely new governance frameworks with extra effort This mind-set was made possible by their in depth investments in new applied sciences that made transactions inherently unauditable and untraceable by case study solution Securities and Exchange Commission and other governance entities. Given case study answer automation of those complex trading workflows and case study answer lack of ability of governance bodies to keep pace with technological advances, coupled with banker’s unwillingness to help governments in monitoring more and more tricky transactions, case study solution bankers could actually make their very own rules up as they went along. What has differentiated this global financial downturn from others is how pervasive this angle has become of offloading risk by aggregating toxic and bad loans together, using applied sciences to increase speed of transactions while assuaging responsibility Corden, 2009. An aversion to risk has been replaced by a consolidating, aggregating and re promoting of completely worthless and often called “toxic” loans, with accountability of case study solution performance of investments left by case study answer wayside. Bankers had case study solution most to realize Those discretionary areas comprise sales and negotiating. These are open to flexibility, argument, discussion all within boundaries.