According to Ruddell (2004), five fundamental principles, having a long-term vision, great perspectives, being honest, being wise, being diligent and being good to people are a great way to establish ethics in programs, so it won't happen again (p. 44). Merrill Lynch betrays all principles. “Having a long-term and broad perspective” means planning a strategy for the future. Companies want to have a perspective to see where the company will succeed in the future. Merrill Lynch starts making good money and once they saw that they could take clients' money. The more customers they got, the more greedy they became in taking customers' money. According to Grudem (2003), Business for the Glory of God states: “Producing goods and services is fundamentally good and offers many opportunities to glorify God, but also many temptations to sin” (Pg.25). Merrill Lynch had the ability to provide clients with their services to glorify God, but instead they sinned by being greedy with clients' money and using fraud within the company. “The integrity of the upright guides them, but the wickedness of the faithless destroys them” (Proverbs 11:3 New Living Transaltion). Honesty should be in business. Customers and employees look for leaders to guide them on the right path. Merrill Lynch fails to have honesty in their company and that's why it was