What Point Is the Text Making About Ethical Misconduct When

What point is the text making about ethical misconduct when it describes the Wells Fargo employee practice of creating fraudulent checking and savings accounts?

A) Managerial negligence is typically the starting place for organizational corruption.
B) Governmental negligence in policing misconduct can be a major determinant of how commonly it occurs.
C) Public image and admiration and ethical misconduct are not mutually exclusive characteristics.
D) Organizational culture can be blamed for ethical misconduct as much as individual behavior.