I finished the audio but am going back to the book and read it one more time.
The book has a lot of information. The moral of the story is, when a crisis is this big and this catastrophic, it is hard to point a finger to just any one person and say he or she is at fault. Sadly, what the book described is a systematic failure at every point from self-governance to oversight.
The plan is to go back and re-read the book.