Disturbed. Disgusted. Not surprised.

That describes the range of reactions to the accounting and trading scandals that have rocked Wall Street.

A former banker who runs a food bank saw the ethical slide coming.

So did a schoolteacher who worries that her students seem motivated to succeed only by material means.

An immigrant, however, speaks for those who believe the mismanagement involves only a fraction of companies and won't impede the financial markets in the long term: "America is a great country. If we don't invest, how are we going to survive?"