This fall the Wells Fargo scandal of staff developing fake bank accounts using existing customer information was big news. A recent article in American Banker magazine said that this issue just scratches the surface of ethical challenges created by businesses that use incentives as a tool to leverage better performance. Describe the decision tools that managers should use in making ethical financial decisions (at least 3) and what steps a manager should take to assure that ethical practices are followed when an incentive for performance is offered.