Describe what you believe may cause the next widespread financial crisis

1- In a short paragraph comment on the merits of the following statement: Because of the benefits of the tax shield of debt, all firms should use as much debt as possible.

2- In a few sentences describe what you believe may cause the next widespread financial crisis.

3-Discuss a business-related ethical dilemma that you or your family have experienced and describe how you/they navigated through it.

DO NOT Write a source, just write a good comment on them.