Do you believe the credit rating agencies acted in an ethical manner leading up to the 2008 financial crisis

Use the CFA Standards of Practice Handbook in answering this question: Do you believe the credit rating agencies acted in an ethical manner leading up to the 2008 financial crisis? In your answer include the following: Describe what the credit rating agencies did to contribute to the 2008 financial crisis. Use the CFA handbook as a guide to define ethics. Why is it important for these agencies to perform their duties in an ethical manner? (List possible consequences to various stakeholders.) List possible unethical actions and the specific guidelines that may have been associated with them. Requirements: 2-3 pages, double spaced, 11 or 12 point Times New Roman font.