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QUESTION

Read articles, quot;Toxic Culture:

Read articles, "Toxic Culture: Why Wells Fargo Created Over 3 Million Fake Accounts and Hurt so many Americans" , "Wells Fargo Does It Again, This Time With Unwanted Auto Insurance" , and "How the Mighty Fall" and Identify the core problems in depth. 

https://getlighthouse.com/blog/toxic-culture-wells-fargo-scandal/

https://www.bloomberg.com/news/articles/2017-07-28/wells-fargo-does-it-again-this-time-with-unwanted-car-policies

https://www.jimcollins.com/article_topics/articles/a-primer-on-the-warning-signs.html#articletop

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