Cressey's Conjuncture of Events Basically Says That All Three Elements

Cressey's conjuncture of events basically says that all three elements must be present for the trust violation to occur. These events are:

A) no fraud prevention program is available, the offender lacks a conscience, employees are friends with customers.
B) perceived non-shareable financial problem, perceived opportunity, and the ability to rationalize.
C) the perpetrator is not married, is a male, and needs to buy a car or other large asset.
D) there are no witnesses to the crime, the individual has a strong challenge to beat the system, and the individual has a gambling problem.